The golden standard for being financially sound is having a budget.
For some reason this is something many people don’t do–and it’s why they live paycheck-to-paycheck.
As for me, I didn’t know how to handle my money until I had a “real job.” I worried about how I’d be able to afford things like a house, a car, possible future children (which are no longer an option), and pets.
While in college I used a tool called Mint. It let me connect my bank accounts to categorize transactions, but I found it clunky and unable to reliably tell me where my money was going or if I had enough money to cover my expenses for the next month.
After too long using Mint I switched to YNAB and have been using their digital envelope system for over a year now [since September 2016].