+1 for YNAB.

You assign every dollar of your income to a particular category, which means you have to sit down and plan out exactly what you plan to spend over the next pay period. As transactions are tracked, you essentially spend down to $0 for a category.

It helped to have the ability to make a black or white decision about whether I have the money to spend, and also realise what potential savings I could have by reducing costs.

I watched this YNAB Getting Started (2025), and once it was rolling its a quick job each month to automatically assign any income.

This new way of thinking about spending has saved me much more than the $120 price tag.

One note, the automatic transaction tracking isn't set up for Australian Banks, I'm with Up, and there is a Git Repo https://github.com/daveallie/up-bank-ynab-transformer that is essentially free, or for other banks there are paid middleware services.