YNAB & Zero Based budgeting

YNAB stands for You Need a Budget and it's a budget philosophy based a set of four rules to change the way you think of money.  It's also an app that you can keep on your phone and access online that helps you break your spending into categories, set goals and targets, and connects directly to your bank accounts and credit cards to manage all of your transactions to give you the clearest possible picture of your financial health.  Together the app and the four rules will change your life and give you the kind of financial secruity you thought was only possible for other people.