Budget.

Maybe just looking at that little six-letter word makes your stomach churn. One glance and you have visions of oversized calculators, complicated spreadsheets, and confusing formulas that make your head spin.

But what if you could budget without all that hassle?

Good news: You can! With the EveryDollar app, budgeting is easy. In fact, even if you’ve never made a budget in your life, you (that’s right—you!) can create a plan for your money in three simple steps. And the best part—it only takes 10 minutes.

The EveryDollar August challenge is to locate an extra $100 within your budget. Or, pick an amount of your choice! Depending on your monthly budget, you could aim for a lower or higher amount. Just pick a target and aim. Chances are, a few minor spending tweaks will do the trick. You probably won’t notice any lifestyle difference, but you’ll definitely notice the extra money! It will then be yours to spend, save or give. Here’s how you can find it.

We Americans love our cable TV. We must, because according to Business Insider, we pay $768 a year on average for it.

But cable isn’t the only way we can keep up with the news, watch our favorite sports team, or learn which stars are no longer dancing. There are options that cost much less and can free up that $768 in your budget to go toward something else—say, a Baby Step?

Check out these seven options for getting the same shows at a lower cost.

Valerie and Gary were the typical American couple.

“We had credit cards, car loans and orthodontic loans,” Valerie said. “We made the mistake of refinancing the house and rolling our credit card debt in there. We swore we would never use those cards again. But we did. And then we took out a second mortgage.”

Let’s take a minute to think about the world we live in. 

We can order coffee from our phones without ever waiting in a line. We can stream just about any television show or movie we want without watching the commercials. And we can buy everything from makeup to furniture and have it delivered to our front door in less than two days. 

We’ve gotten pretty great at getting what we want, when we want it. 

You can do the same thing with your money, if you plan for your purchases.

Say you want to buy something big, like a new-to-you car. Or you want to take a sweet summer vacation with your friends. You can simplify saving up for those expenses—without ever breaking out a credit card.

Don’t worry. You don’t have to figure this out on your own. Here are the four steps you need to take to become a seasoned saver.