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_refugee_  ·  3570 days ago  ·  link  ·    ·  parent  ·  post: Pubski: February 18, 2015

Make an Excel spreadsheet for your budget and don't spend $60 on YNAB.

Or, I mean, if you find YNAB worth $60, go on and buy it, but I manage to keep a budget, pay my bills on time (and extra), save, and etc., without YNAB and without allocating every penny.

I think budgets are fun numbers problems. I like to make them. The hard part of a budget is not making the budget. It is sticking to it.