You Need a Budget

YNAB Pro is a great budgeting program that I just downloaded about a week ago and I absolutely love it! I have tried several different ways of budgeting over the last year, but this is the easiest and best yet. You can download your transactions from your online bank directly into this program and allocate the transactions to the categories you want them to go into. The best thing about this budget is that it teaches you to use this month's paycheck to pay next months bills. I desperately need to get to that point because I have a bad habit of going over budget at the end of the month and running into overdraft fees. Click on the above link to download a free 7 day trial. A credit card is NOT required for the trial. It just won't work after the trial period is up.