<prompt> Human: I love YNAB, but its always been hard for me to recommend to people that they pay money to help them save money. Its even harder now that YNAB has switched to a subscription service. So I made a free, poor mans budget that mimics as closely as possible a YNAB-style budget.Ive tried to make it as simple as possible to use. First, go to File Make a copy to make a copy for yourself that you can edit. Do not send me a request for access to edit the original. Then copy the two template tabs and name them with the current year. Put the year in the top-left corner as well, and then youre ready to go! If youve got the previous year in there already, it should automatically pull the info from that so your budget rolls over from one year to the next.Categories are also easy to addchange -- just add them to your budget tab, and they should auto-populate in the transactions drop-down list.Any feedback is welcome! Id love to hear what you guys think, or if you have any suggestions of what to change. Happy budgeting!Note: It mimics YNAB 4. I havent used the new subscription-based YNAB.  <response>: Just wanted to throw the free tool financier.io out there, it mimics YNAB4 and has a fantastic developer and redditor! who has been listening to redditors input since the beginning rfinancier 