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With the new year, it's time for resolutions. Many people will be resolving to diet and exercise, to learn a language, or to read more often. But you might be resolving to be better with your finances. This is a complicated area that differs from person to person, but there are still a few guidelines that can help you with your new resolutions.

1. Start budgeting by recording what you spend within a month.

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Use this time to take a step back and examine what you're spending where. You can wait a month or a pay period and record what you spend to get a baseline. Or you can pour over your past recents and bank records to see the big picture. This step will be very helpful when you start determining your personal budget. Knowing your fixed costs allow you to determine your discretionary spending limits.

2. Be prepared to adjust your budget within the first month or two.

This really goes for all kinds of resolutions. Most people set their sights a little too high and become discouraged when they're not reaching their goal. Don't expect an immediate, drastic change. Instead, ease into your new spending habits. Weaning yourself off of your old budget will allow for a much smoother transition. Setting more realistic and flexible expectations will also make it that much easier to stick to your new budget throughout the entire year.

3. Make room for unexpected bills or sudden changes in income.

However, not all costs remain the same. You might have an unexpected car repair or medical bill. You also could experience a change in your employment status. You never quite know what life is going to throw at you. This is why you should build in some financial padding if you're able. Having an emergency savings account will help you out in a pinch when an unexpected bill appears.

4. Plan for the holidays and other big events all year long.

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While the unexpected really can't be planned for, there are some things you can anticipate. This includes the holiday season and other big events like family reunions. There's no reason these things should be a surprise to your finances. For Christmas, set aside as little as $10 or $20 a month and you'll have a built-in gift budget. Same goes for any other big events that you know are arriving. Make room in your budget to save specifically for these if you know you're going to be spending during those months.

5. The easiest budget is saving a set percentage of each check.

If you don't want to have to think too hard about your budget, decide on a set percentage and stick to it. There's a rule that you should save 10 percent of your check for retirement. There is also the popular 50/30/20 rule, which says that you should save 20 percent of your income. Figure out what percentage will work best for your income and stick with it. That money will add up more quickly than you think.

6. If you want more specific saving goals, try the envelope method.

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If you're looking for a more specific budget, you can try the envelope method. This method involves you setting specific categories for every area of your life. A basic version would include rent, groceries and entertainment. You can break these down or add as many categories as you like. For each category, you set a specific spending amount you're allowed every month or every pay period. It's usually recommended that you do this budget all in cash, but it can definitely be done digitally or with pre-paid visa cards. This method can be very rigid but will definitely help you stay on track.

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I thought I had a pretty good handle on my finances out of school. I worked several jobs while attending university and had little to no problem managing my income. However, once I graduated, I realized how much more complicated personal accounting could really be.

There were so many variables I needed to keep track of. Biweekly bills, monthly charges, and general necessities amounted to a heap of confusing numbers that were often impossible to decipher. The funniest part was that I was actually trying to do this by hand (I don't know what I was trying to prove to myself, either).

After messing up for the 17th time, I decided to give Microsoft Excel a shot. I used Excel a bit in school and I knew all the big-wig finance people used it, so what could I possibly have to lose? The answer is about six hours of my precious time. Excel isn't much of an improvement over handwriting and it's still dependent on the user to manually input all of the information. It's like doing everything by hand with the slightest help, meaning that it still required a tremendous amount of time and concentration. Well that was all for nothing, I guess.

It's sort of funny. I was certain that I could manage my personal finances with ease, when it's practically a full-time job. I was already stressed out enough with my first job and I knew I didn't have enough time to give my finances the attention it deserved.

That's why I decided to try out a budgeting app. My best friend told me that he uses an app called Truebill to manage his finances. "What does it even mean to manage your finances?" I asked him. He told me that Truebill was the personal financial assistant I wished I could have. It could aggregate all of my account information into one place and give me specific insights and actions.

I loved the idea of having full control over my finances, especially during a time of financial uncertainty, and I realized that Truebill would be the easiest way to accomplish this. The user interface is incredibly simple and intuitive, so it doesn't even feel like a finance app! Truebill offers a multitude of features, with their most popular being the ability to cancel subscriptions with the press of a button.

Okay, I had no idea how many subscriptions I was still subscribed to. In fact, I wasn't even using a quarter of the subscription services I was signed up for. Subscription boxes, streaming services, my old gym, and even an old subscription to my favorite magazine--it was all there and I was livid. How could I let myself waste all of this money and how did I never catch this? Thank goodness for Truebill.

Truebill also offers bill negotiations. There is a 40% fee based on how much you save and Truebill even claims that there is an 85% chance that they'll be able to lower your bill once a negotiation is requested. Why wouldn't I take them up on this? There was zero risk and I would only have to pay once my bill was lowered (which means that I would be saving money regardless).

More standard features of Truebill include the ability to generate a credit report on-demand and even request a pay advance. I only used the pay advance feature once when I wanted to buy a gift for my mom, but didn't have enough cash in hand and Truebill automatically reimbursed itself when I got my next paycheck.

The credit report is another fantastic feature and practically taught me what good credit meant. Truebill's credit report basically shows you which financial decisions have the most significant impact on your credit score and ways that you can improve your credit month-over-month. I've never had such control over my credit and it feels good.

I'll be the first to admit that I was extremely naive coming out of school. I figured that as long as I was attentive, I could manage my finances with ease. We manage money to some extent throughout our entire lives, but once you're thrown out on your own, it's a completely different story. With Truebill, I've finally been able to take control over my finances and stay on top of all of my responsibilities.

Update: Our friends at Truebill are extending a special offer to our readers! Follow this link to sign-up for Truebill.