The pandemic has thrown many people’s financing and budgets into chaos and for thousands their savings have been dug into to make ends meet. To stay on top of your finances, experts say, make sure you can answers these questions:

1) How much do I actually spend and make? The simplest way to fin this out: look at your bank and credit card statements for the past six months to see the cash flowing in and out.

2) When do I pay the bills? Make it twice a month. If you have a routine to pay bills, you are going to avoid penalties for late payment.

3) What do I own? Build repayment into your budget. Good finance apps that you can consider are Mint, You Need a Budget, Clarity Money, Personal Capital, Money Patrol, Simplifi, and Digit.

4) What am I insured for? Plenty of people never look at their policy after taking it out. They could end up wildly overinsured or wildly underinsured.

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