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Javier Brosch /

Imagine trying to steer your car without a steering wheel: That’s the way many people try to steer their finances. They coast along without goals, blind to where their money’s going, hoping they’ll run out of month before they run out of money.

But there’s something simple you can do to find the extra money to pay off debt, build savings and regain control of your finances. All you have to do is track your expenses.

Here’s how: Use a service like You Need a Budget (YNAB). You tell this handy app where your money is, it automatically tracks your expenses. You tell it your goals, it automatically measures your progress. Does it work? From their website:

On average, new budgeters save $600 by month two and more than $6,000 the first year.


You Need a Budget isn’t the only budgeting service out there. The reason we’re recommending them is because we’ve tried a bunch of these things and this is the one we like best. It’s also something we personally use.

YNAB isn’t free. After a 34 day free trial, it costs $6.99/month, billed annually at $83.99. However, they offer a no-risk, 100% money-back guarantee, so at any point, if you don’t feel like you have more control of your money, they’ll give you a full refund, no questions asked.

Bottom line? You Need a Budget can really help get you get organized, stay in control, manage your expenses and make you richer. Think of it as power steering for your finances. Try it free for a month, then decide for yourself. And tell us what you think! We only want to partner with the best.

Click here for more information or to get started!