I use YNAB, the money I make this month will go towards expenses next month. It more or less follows Dave Ramsey's philosophy of "give every dollar a job". This

I use YNAB, the money I make this month will go towards expenses next month. It more or less follows Dave Ramsey's philosophy of "give every dollar a job". This allows us to know how much we have to spent in each category and to make sure that we don't forget to save for insurance, hoa fees, etc.