Mint, Quicken, Mvelopes, and YNAB are just a few budgeting apps out there.
They’re all useless.
Useless, if you’re not ready to change.
All too often, we look for tech to solve our problems. That’s our starting point. Like if we find the right computer program or app, all our financial worries will go away.
So we load all our data in and categorize for hours. Finally, we can see where it’s all going, look at some pie charts and graphs.
But then we continue with our regular lives.
Know this: Your willingness, determination, and tension are the main ingredients when it comes to budgeting — not an app.
Tech isn’t the solution.