YNAB stands for You Need a Budget, and it's true. You do. This offline app, built around a philosophy of financial responsibility, requires a lot of manual maintenance, but it teaches sound principles about money management.
Sometimes you just want a treat but not thousands of leftovers! Woohoo! (scheduled via http://www.tailwindapp.com?utm_source=pinterest&utm_medium=twpin&utm_content=post852027&utm_campaign=scheduler_attribution)