Just move over some money from another category. Adjust as needed: If you accidentally overspend, no biggie.This way, when it comes, you already saved for it and it won't break the bank. Plan for big expenses: Create goals to fund large one-time expenses throughout the year.Create a budget for each category and stick to it. Give every dollar a job: Decide how to divide up your paycheck before you spend it.It helps you gain control of your money with these four rules: It forces you to plan for your entire month of expenses ahead of time. Unlike Mint, it doesn't just give you a report card of your expenses. You Need a Budget (YNAB) focuses on the "forward-looking" approach to budgeting. It keeps track of your spending, but it doesn't teach you how to budget.Ĭost: Completely free 2. Overall, Mint is a good budgeting app for day-to-day money management. Free credit score and monitoring from TransUnion.Set goals and track your savings progress.Mint is smart and will learn how you place transactions into categories for the future. One common complaint is that some transactions may be put into the wrong categories.
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