<prompt> Human: Im really new to this, so if you guys have any questions that my answering will help you tell me what programs would work best for me, please ask; I realise Im giving you guys basically no information, but I dont really know what information is pertinent. Ive never kept track of my spending before! I would prefer if the software has a mobile app as well as a OS X app. Thank you!  <response>: Love love love YNAB 