I was not raised the most financially literate however I’ve gotten very enthusiastic about personal budgeting apps and YNAB is fantastic for this
the goal is to assign a dollar a job until you have 0 budget, it also connects directly to your bank account (most of them) and categorizes your purchases for you.
I had no idea how much I spend on dining out and drinking out and it is… humbling to see the writing on the wall and do this at home. also makes it so easy to budget for retirement or investments or long term savjng
