No one likes to lose or waste their money. However, only a small group of people are willing to make changes to their lives and actually prevent it from happening. If you’re one of the determined few, here are just three tips for handling your finances.

1. Track Everything

You won’t be able to control your cash flow unless you know where it’s coming from and where it’s going. Make a habit out of checking your bank account on a regular basis, and pay attention to all incomes, expenses, fees, deposits, transfers and surcharges that come your way. This is especially important if you’re trying to get out of debt. Burying your head in the sand and ignoring your bank balance won’t change anything!

2. Get Digital

Gone are the days when you had to stoop over a checkbook with a pen and calculator. It’s the 21st century, and there are countless apps and software programs that can track your money down to the dime. You just have to find the right equipment for the job. Don’t be afraid to experiment with different technology until you find something that’s quick, convenient and easy to use; if you aren’t completely satisfied with your choice, you’ll be less inclined to use it.

3. Seek Professional Help

If you just can’t make sense of your bank statements, there’s no shame in reaching out to the professionals. Financial advisors can help you with your personal accounts; wealth management firms can assist you with small business finances. Rather than trying to figure everything out on your own, you can let an expert find the best financial solutions for you. You can even ask them to teach you their ways so that you can learn to do it on your own!

These are just a few tips for balancing your books. It doesn’t matter if you’re filthy rich or struggling to get by; at the end of the day, the fundamentals of money management are the same. Use these tips to get a better handle on them and build a brighter future.