you need a budget

Founded in 2004 by Jesse Mecham, You Need A Budget (YNAB) began as a spreadsheet to help his family manage their finances. It has since evolved into a comprehensive subscription-based software platform built around a simple but effective four-rule methodology: 1. Give Every Dollar a Job, 2. Embrace Your True Expenses, 3. Roll With the Punches, and 4. Age Your Money. The company's mission is to teach people to stop living paycheck-to-paycheck, get out of debt, and save more money by proactively managing their finances.