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by Jason Snell & Dan Moren

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By Jason Snell

Sponsor: You Need a Budget (YNAB)

YNAB is unlike any budgeting app you’ve tried before—because it works. Yes, we’ve got award-winning mobile and web apps, but that’s just the beginning.

Budgeting isn’t hard, but it can be mystifying if you were never taught how to do it. We’ve got a team of teachers offering 13 different courses online, including small class sizes so you can ask questions and really learn this stuff. There’s also a podcast, blog, and new video content.

With YNAB, you don’t need to forecast into the future—you budget with the money you have right now. Really considering what your money needs to do between now and your next paycheck is a game changer.

The magic of YNAB is when you combine our apps with our simple, proven Four Rule philosophy: Give Every Dollar A Job, Embrace Your True Expenses, Roll With The Punches, and Age Your Money. And the earlier you start budgeting, the bigger a difference it can make for your life—which is why students can get a year of YNAB for free.

Try YNAB for 34 days free, and you’ll see what a difference it can make on understanding and managing your money.

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