@snlmommy If youre wanting a great tool to see your spend, creat budgets, and have a general overview of your financial well being, I highly recommend mybudget by booster. It's an excellent free tool that uses your bank feed (similar to Xero), has machine learning to classify future spend and an easy to digest layout to see where you might be able to change some habits.
I've been using it for 3 months now, and it's been great to see where trends are forming, and where you're able to pull back some funds to save (or invest).
Once you get a picture, you can form a plan.
Also good for overall wealth view, as you can add assets, liabilities and savings.