&quot;Where did my money go&quot; budgeting has never worked for me. I&#x27;ve been way more successful with planning ahead every $ of income as I get it and then manually tracking expenses. Budgeting had to become an actual activity for me, and not just something done automatically by a webapp. I&#x27;m a huge shill for YNAB[0]. The software is really nice but basically it&#x27;s a glorified (paid) spreadsheet. My fiance and I agree that the methodology it forces you to use, though, has easily saved us thousands so far.<p>[0]<a href="http:&#x2F;&#x2F;youneedabudget.com" rel="nofollow">http:&#x2F;&#x2F;youneedabudget.com</a> - they recently upgraded to a subscription based web app but I&#x27;m still using the classic version that&#x27;s a one time purchase: <a href="http:&#x2F;&#x2F;classic.youneedabudget.com" rel="nofollow">http:&#x2F;&#x2F;classic.youneedabudget.com</a>