You Need A Budget (ynab)

Saving vs spending... there's no question which one is more fun, right? Obviously, spending! By comparison, saving feels like a chore, something you ought to do, the responsible thing to do, but is definitely less fun. After all, you get something when you spend -- an item, an experience, a service. With saving you get, well, just more money in a pile somewhere.   As Jesse points out, no one says "I have a saving problem" but you hear "I have a spending problem" all the time. It's because spending is concrete. It has weight to it. Spending has a clear line to the value of the money being spent and what you value in the spending of it.   Saving money is actually a misnomer. All money exists to be spent, whether it's now or in the future. Savings is really just spending that will take place in the future. When you follow the YNAB method and give every dollar a job, including your "savings" dollars, you are planning for how you will spend that money in the future. You're making your savings concrete, putting a v