![]() If you prefer not to spend an extra penny on your budgeting efforts, then Mint is for you - which goes a long way to explaining its enduring popularity on both iOS and Android. $14.99 per month | Android | iOS Goodbudget You can put this to the test with a 34-day free trial, too. ![]() Unfortunately it will add an additional expense to your budget - $14.99 a month or $98.99 per year - but YNAB says new budgeters will on average save $600 in their first two months and $6,000 in their first year. By the end of the month, every dollar should be accounted for, with the ultimate goal of spending last month’s earnings, rather than this month’s. It works on a zero-based budgeting system, where every dollar you earn should be allocated to something - be it mortgage, expenses, long-term goals or a savings account. Unlike other budgeting apps, the aim is to help plan future financial goals, rather than to simply track what’s already left your bank account - although it can connect with your bank to do that as well. YNAB - or “You Need a Budget” to unpack the acronym - is a great solution for people who really want to get hands-on with their financial decision making. ![]()
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