You Need A Budget

You Need A Budget (YNAB) is both a budgeting app and a method that helps families assign every dollar a job, track spending in real time, and plan ahead for true expenses. The software syncs accounts, offers mobile access, and provides clear categories, while the method emphasizes four simple rules that shift how you think about money. Teens can use YNAB with guidance to learn about income, bills, and saving goals in a concrete, hands-on way. The app runs on a subscription, but educators and students can often access discounts or trials, and many families find that reduced overspending more than covers the cost.