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YNAB

Zero-based budgeting: give every pound or dollar a job.

PaidiPhoneAndroidWeb

Our verdict

The budgeting method that changes habits. It takes a few weeks to click and costs real money, but people who stick with it rarely go back.

Good

Proven budgeting method
Excellent teaching resources
Shares with a partner at no extra cost

Not so good

Subscription cost
Learning curve

Best for

familiespower users

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