YNAB (You Need A Budget)

YNAB isn’t just a budgeting tool; it’s a new way of budgeting your money. It teaches you to “give every dollar a job,” and that includes your subscriptions. With real-time syncing across devices and rich educational content, YNAB helps you stay intentional with every expense.

What’s great about the app is that it makes tracking your expenses pretty easy. You can see how much you’ve spent on specific categories like Netflix or other streaming services. Granted, the app isn’t the best if you want to instantly cancel subscriptions or negotiate a lower rate, but it’s still a powerful tool for people who also want to start budgeting. 

Another useful feature is that the app will let you budget for your “true expenses,” which is a great way to save money for those recurring subscriptions that charge you every year. That way, instead of having to pay over $100 for Disney+ when it comes up for renewal, you can start setting aside some money from each paycheck, so it’s easier on your wallet. 

Additionally, you can learn a lot from the platform, as they often post videos and articles teaching you how to use YNAB to create the financial life you want.