you spent the money.) Instead, budgeting apps work with you to set priorities for immediate, short-term, and long-term goals. Similar to a diet, the app's goal isn't restriction, but rather setting and sticking to a goal.
While it takes a little more start-up time to get the swing of YNAB than your average budgeting app, long-term, it will help you think differently about how you spend and set aside money, says Sandi Bragar, certified financial planner and managing director in planning strategy and research at Aspiriant.
One of this budgeting app's best beginner-friendly features is the live support that comes with it. People who are new to budgeting will appreciate this app's online workshops, which give users the opportunity to ask questions and interact in real-time with an expert, says Mooney. If you're serious about tightening up your budget or working towards big financial goals, then it might take some money to save money.
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