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Anon lives on a budget
(sh.itjust.works)
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this post was submitted on 14 Dec 2025
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If you can afford $9/mo, YNAB (You Need A Budget) is a great app for managing income and expenses that don't necessarily align on a calendar schedule.
I get that budgeting won't make up for insufficient income, but if it's actually the financial habits that are holding you back, this app works wonders for learning how to properly plan your expenses.
If you're into open source stuff and are willing to spend more effort tinkering, ActualBudget is the same concept, but lacks some QoL features (notably, auto-importing transactions from your bank/credit card statements). But all the data stays in your hands, not some company, so that's good.
I'm a big fan of a budgeting software called "budget with buckets".
It's the same envelope/bucket budgeting method as YNAB, except it only runs on your machine so you have greater privacy. It comes with an unlimited, untimed free trial, since it often can take months to decide if a budgeting software works for you. I used it for maybe a year without paying. If you do pay, it's a one-time payment.
It supports account syncing for a pittance - I think it was $15/year.