If people are looking for an app, I&#x27;d recommend YNAB<p><a href="https:&#x2F;&#x2F;www.youneedabudget.com&#x2F;" rel="nofollow">https:&#x2F;&#x2F;www.youneedabudget.com&#x2F;</a><p>It has worked for me.  Dead simple philosophy: the money you earn this month you get to spend next month.  Helps break the cycle of debt, and also has given me visibility into my daily spending.