Me: you really, really, really need to get your spending in check, no more buying shit online because you’re bored and angry at the state of the world and just want 30 seconds of a dopamine hit
Also me: but I need to spend $60 on a hot pink hoodie that says Kittens Against Trump
YNAB (You Need a Budget) is a budgeting app that my wife and I use. It does require some faith as it links to your bank account and credit cards to sync transactions, but it's helped us go from basically break even month-to-month to increased savings rate and no revolving CC balance within a year.
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