YNAB To The Rescue
Here is a sincere, honest confession. I thought budgeting was tracking where your money is spent. That is actually wrong, budgeting is having a plan for your money and actively managing to that plan. YNAB facilitated this mindset shift for my wife and I and we have never been more at peace financially than we are now. We give and save more more than we ever have in our lives after 16 years of marriage. This app is indispensable and should be used by anyone trying to get a handle on their finances.