- by T.Z.
3. How to use an e-budget tool
Some of us look upon the word “budget” with the same dread we do “dentist appointment.” Do I really need one, and just how painful will it be?
It really doesn’t have to hurt. Budgeting is like brushing — just a little dedication in advance goes a long way. A program like You Need a Budget helps you give every dollar a job, and ensures that living paycheck-to-paycheck will be a thing of the past. YNAB is our favorite budgeting tool, but there are many others tailored to varying needs and styles.