How do I start using the Budget and Planning Tool? Last Modified Monday July 27, 2015 Start using the Budget and Planning Tool by following these steps: Add additional accounts from other financial institutions to view all your accounts in one place. Customize the "tag" names on your transactions to get the most accurate financial picture. Set up monthly spending targets within the "Budget" area to organize your tagged transactions. Use "Cashflow" to track regular incomes and bills. Create specific financial targets under the "Goals" tab.