You need to start a budget. And yes I know it’s a four-letter word for most people. But, if you don’t know what you have and where it’s going, then you can’t fix the problems.
The first step to getting to where you are going is to know where you are now. And in order to know where you're starting from, you'll need to know your current income and expenses. Just like planning a vacation you need to know where you are starting to figure out how to get to your destination. If you are planning a trip from the US to France then you’ll never get there if you try to drive.
There are several different methods when if comes to budgeting. There is the 50-30-20 system, the Envelope system, or software systems. For awhile I used a spreadsheet I created based on the envelope system, you can download checkelope for free.
Now I use Personal Capital, which I love, and is the tool I use to track my checking, savings, investment, retirement accounts, and my net worth. It has good reports, tracking, and a retirement calculator. In addition to all that it’s free. You are able to link most of your online accounts and it will download your transactions. It will then give you a list and graphs of your assets and debts and will calculate your net worth.