There are a few different ways to track your saving and spending habits. One option is to do it manually by tracking your spending and saving in a notebook. Every time you spend money or save money, you just jot it down in the notebook and add everything up once a month. You can also do this in a spreadsheet so you can take advantage of the commands in Excel to keep things simple. The easiest way to track your saving and spending is to use a budgeting app, like Tiller HQ or Mint.