The best advice I can give to you is something that has helped me over the years.
If you cannot measure it, you cannot manage it.
Coming Soon!
Whether you are simply planning your budgets or applying for home and vehicle finance, you surely can make your finance more efficient to manage.
Take easy control of household finance by automating a combined import of all your bank accounts and expenses with the new coming budgeting/portfolio software.
It's easy to measure all family members specific expenses. This allows better financial management which helps saving and meeting budgets for better credit ratings.
In some European countries you cannot buy a house without using this kind of planning.