YNAB (You Need a Budget)

Having a budget is one of the best habits you can create in 2025. Even though it’s hard to start budgeting, you have apps like YNAB to help you.

YNAB — or You Need a Budget — is a budgeting app that helps you give your hard-earned money a job. You can assign it to different categories for your immediate obligations and even set some money aside for those yearly payments you haven’t given much thought to.

You can also sync the app with your bank accounts, so it’s easier to know how much money you have and where you’ve spent it.

And, of course, if you’re new to the budgeting world, YNAB also comes with different articles and videos showing you how to budget and the benefits you get out of it.