Budgeting website question
 

what site do people prefere: Mvelopes or YNAB?

never heard of either.

Nor have I.

I use a simple spreadsheet. Five columns: what, date, plus, minus, balance. Balance is the calculated column, just previous balance +plus column, -minus column. I look at it 2 minutes a day and make sure everything is right and up to date. It's surprisingly effective

I just don't spend money.