If you’re not feeling confident about your finances, that’s OK. Perhaps you’re among the 60% of Americans living paycheck to paycheck, or one of the 81.6 million paying off student loan debt.

It’s hard to feel confident when your loan balance doesn’t seem to budge and you’re watching your spending to make sure your account doesn’t go into the red.

But you can gain some control over your finances, bit by bit, until that confidence comes. These four empowering money moves will help you build momentum with small gains.

1. Track your spending for one month

Knowledge is power when it comes to finances. Still, most people don’t know exactly where their money goes. Tracking your spending for one month will help you identify habits and spot excess expenses.

By keeping track of each and every purchase you make, you can more easily start to see which purchases cause your debt to rack up. You can use the Money Management tool in your Online Banking account to see a breakdown of your spending month to month and even set a budget to get yourself started, with categories so you can see what you're spending the most on.

Once you know where your money is going, you can make informed decisions about where you want it to go, giving you a sense of purpose with your spending. You might even decide to keep on tracking.

2. Put some money into a high-yield account

If you’re already doing the hard work of saving, why not make money on your money? By depositing money into accounts with high dividends, you can leverage those accounts to boost your earnings.

You can find certificate deposits with competitive dividends at Parsons Federal Credit Union. With variable rates and terms for different accounts, you can decide how you want to grow your investment. Or, you can open a Kasasa checking account and earn 3.00% APY* on your account balance with everyday purchases.

3. Pay off one loan or credit card

Ever feel like you’re throwing money at your debt, but the balances never seem to go down? Instead of trying to pay them all off at once, direct your energy (and extra money) at one debt, while making the minimum payments on the rest. With the Goals tool in Money Management, you can set a date for when you want to pay off a certain debt and the tool will automatically set monthly payments to meet that goal.

You can tackle your debt in order from the smallest to largest balance to net some quick wins, or get rid of your most expensive debt first by focusing on the account with the highest interest rate.

Tackling debt in a disciplined way will put you back in the driver’s seat with your money.

4. Plan for expected expenses

You can’t plan for every expense, but there are some you can see coming. Homeowners, for example, can anticipate things like property taxes and certain repairs.

If you have an old item that you’re going to eventually need to replace, start setting money aside for that. The Goals tool in Online Banking can also help you put money aside each month to save up enough to cover these purchases.

The financial hit won’t sting so much if you’ve set a little aside each month, and you’ll feel more confident knowing you can cover the cost without rearranging your budget or going into debt.

*APY = Annual Percentage Yield.

This article was written by NerdWallet and was originally published by The Associated Press.