Having personal finances in order is one of the biggest dreams of every adult. No debts, no sleepless nights and enough money to cover all expenses and still have a little extra on the side – sounds amazing, right? Still, finding a good financial plan and having a good overview of all costs and expenses is not an easy thing to do, as it requires time, knowledge and dedication.

With these five steps, you can get a grasp of your finances and get them in order.

1. Start Small, but Be Determined

Some financial plans are mentioning that you should put a significant percentage of your monthly paycheck onto savings account. Unfortunately, this is not always possible, as not everyone can afford to put 10% on the side.

Start small, but be determined to save at least some money. It can be $25 each month, and in time, if your financial situation improves you can increase that amount. Even the smallest amounts accumulate over time and be true life saviors.

2. Reconsider Your Spending Habits

It may seem to you that you are all frugal and thrifty, but the truth is often quite the opposite. Sometimes it is impossible to keep all expenses in mind, so write them down. Maybe you are prone to impulsive shopping or order too many take-outs?

Follow your expenses and write them down to get a better overview. See what problematic spending habits you have, and try to avoid them. Write down bigger expenses such as rent and gas, as there is also some place to maneuver by downsizing or using alternative transportation methods.

3. Set Small Goals