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Spending money has never been easier, but tracking it is crucial for your short- and long-term financial health. Frankie & Alfredo explore practical ways to determine if you're spending too much and how to build better money habits for your entire family.

• Make a plan and hold yourself accountable with budgeting
• Pay yourself first by prioritizing savings before spending
• Use mobile banking apps to categorize and visualize your spending
• Watch for red flags like inability to cover emergency expenses
• Help children track money with piggy banks before introducing digital banking

Family Challenge: Track what you're spending for a day or entire week. Identify each purchase as a want or a need, then discuss as a family where you could save more money.

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