… First, list your net monthly income sources (work, student aid refund, family support) Next, calculate and list how much you need to put away for savings. Next, … of the apps will track your spending by connecting to an existing bank account or credit account. If you’d rather not allow the app to connect to your personal … of the apps will track your spending by connecting to an existing bank account or credit account. If you’d rather not allow the app to connect to your personal …