It may also help you to look at past credit card statements and bank statements. It's a good idea to gather copies of your bills and financial records so that you make sure you note all of your expenses - both regular expenses and occasional expenses that you pay. Plan in advance for future bills so that you know how your next paycheck is being spent. You can customize categories and choose how much you want to spend in each category. Linking your bank account, credit cards, mortgages, and other loans will help you better track where your money is going. First, you'll make a plan for your spending, savings, and debt payoff so that you're able to change how you manage money. To get started using the YNAB app, you'll do the following: Once you follow these rules and adjust your money management habits, you'll have better control of your finances and you'll be less stressed. After some time of using You Need a Budget, you'll have a routine in place and you'll always be ahead. This will allow you to get ahead and not live paycheck to paycheck anymore. You can move already allocated money around to make it work. If you overspend, it will be okay - because you've got extra money budgeted elsewhere. This will make it easier for you to recover after making a mistake. That includes buying gifts or paying your real estate taxes, even if they're not monthly expenses. This will allow you to budget accordingly so that you have the money you need to pay for all of your expenses. This is helpful for learning to make fewer impulsive purchases. This rule will teach you to make sure that you're using all of your money well. Every dollar will be assigned a task, such as rent, savings, groceries, etc. The app teaches you to put all of your money to use - including using your money for expenses, paying off debt, and saving extra money. While some budgeting apps only show people what they've already spent, You Need a Budget focuses on zero-based budgeting.

You Need a Budget, or YNAB, is a popular paid budgeting app. What is You Need a Budget, and how does it work?

You need a budget forum