Start recording your income and expense in notepad. For example if you get 5,000 monthly into your bank account, take a log info every time you withdraw money from atm, or if you budget a transport and food expense monthly, or anything becha memezegeb including the vat that you paid or service charges. Look how you are doing each month, and try not to use extra money without a plan. Each month check your monthly total balance and also add a total of your balance at the start of the new month. When you take the logs of your incomes and expenses, try to add comment next to them. Like: May 2025 +5,000 Salary -1,000 Transport(budget) -1,000 Meal(budget) -500 Loan(Someone) -500 ATM withdrawal(Some reason) April 2025 +2,000 Previous Bank Balance +5,000 Salary +500 Loan(Someone) -1,000 Transport(budget) -1,000 Meal(budget) Jun 2025 +5,500 Previous Bank Balance +5,000 Salary -1,000 Transport(budget) -1,000 Meal(budget) -8,000 Bought a phone continue like that. Include service charges to get the exact value you have with your bank balance. I was in the same situation as you so at least mentoring your balance will be good to know what you did with the money and evaluate yourself on how to manage it well.