The best way I think to manage money is to understand that you do need to save and can control the urges to not buy your wants and just pay your responsibilities. You can manage your money through apps, knowing what you paid and how much you save. The first thing when you get your salary or wage, you take an amount already to save. You take a part of it to savings, and apart of it from responsibilities. You should always keep in mind to save then spend what's remaining rather than to spend then save what's remaining. It's a sure way to have savings and completely manage it using an application. That's how I do it.
I don't use apps for it yet, but the idea is worth trying. I'm already appliyng the practice of separating necessary items from unnecessary things. But that alone is probably not enough, it's also necessary to do research in the market to be able to substitute more expensive items for cheaper and quality ones.
You don't even have to use apps, what you just need to have is discipline. Because if you are valuing your money and you won't use it for something unusual and that's what you intend to do and makes you to be a good manager of your money. I guess it is effective to do it on the old way, by simply making a list of your expenditures.
Apps maybe some of good help but still it won't be able to make you encourage at all. The courage must come from the person who really wants to manage his money properly. And I can say, that is the best way to manage money and learn to make yourself put value to the money that you are earning so that you will spend it wisely.
