The 50/30/20 rule is a popular budgeting technique. Use this calculator to figure out how to spend your money.

Editor's Note: APYs listed in this article are up-to-date as of the time of publication. They may fluctuate (up or down) as the Fed rate changes. CNBC Select will update as changes are made public.

The envelope system is a monthly budgeting method created ... it's important to make saving a part of your plan. Typically, the best option is an automated deposit into your savings account ...

To determine the top high-yield savings accounts, CNBC Select compared those with an above-average APY, FDIC insurance, zero monthly maintenance fees and low (or no) minimum balance requirements.