YNAB (You Need A Budget)

YNAB (You Need A Budget) is a budgeting method and software designed to help individuals take control of their finances. It encourages assigning every dollar a specific purpose, whether for bills, savings, or spending, fostering proactive financial management. The core principles include giving every dollar a job, embracing a live-within-your-means mindset, adjusting as life changes, and prioritizing savings. By providing real-time tracking and planning tools, YNAB aims to help users reduce debt, build savings, and make intentional financial decisions, promoting a more organized and stress-free approach to money management.