I’ll third YNAB. I’ve been using it for years. Being able to see how the money in your checking account already has a purpose and isn’t sitting there waiting to be spent on some bullshit is huge. My SO and I argue about stuff, but our financial stress, a huge problem in many relationships, is nonexistent.
Yeah I used be like wow I have $5000 time to buy some bullshit. But really $3-4000 of that is upcoming expenses so I really only have $1000 and I should use that to pay down a CC or student loans.
I’ll third YNAB. I’ve been using it for years. Being able to see how the money in your checking account already has a purpose and isn’t sitting there waiting to be spent on some bullshit is huge. My SO and I argue about stuff, but our financial stress, a huge problem in many relationships, is nonexistent.
Yeah I used be like wow I have $5000 time to buy some bullshit. But really $3-4000 of that is upcoming expenses so I really only have $1000 and I should use that to pay down a CC or student loans.