You should say:
Well, I have to admit that It has been so difficult for me to figure out simple ways to save money and use my savings effective to pursue my financial goals before. But it's so lucky for me when I complained about it to my friend, she suggested me using Money Lover, a useful mobile application to most useful one. Thanks to that, I am better at money management.
Let me tell you about it in more detail. The symbol of the app is a very cute piggy bank which impresses me a lot at the first sight. There are many expenses for clothes, food, cosmetics divided so that at the end of the month, I can know exactly what cost me a bomb, what are within my budget to tighten the belt next month.
It is not an exaggeration to say that this way of saving money changes my life for the better. I have used this app for 3 months and up to now, I have a considerable savings in my banking account. To my surpise, my friends consider me as a shining model for them to follow when it comes to talking about money saving. This makes me so proud of myself. In addition, my mom always got shirty with me for my wasting money but at the moment, she hardly loses her temper anymore and we seem to have better relationship than in the past.
If anyone asks which is the most effective way to save money, “Money Lover” is definitely the first thing that comes to my mind. Trust me, it is really helpful.
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IELTS Band 8 Sample Topics