<prompt> Human: I started reading through the rules and began questioning if I need this app right at rule one. Over the past few years Ive been in quite a jam divorce, debt, etc.. Im not virtually debt free and have a small savings of 5k. Heres my typical process: All of my bills and incomes are in google calendar as recurring events for the day they are duereceived I then move the events to the a pay day before they are due, keeping the expense amounts balanced between the pay dates. Then I pay those bills when its that payday. Each payday also includes a bill for saving about 30 of the paycheck Whatever is left over is what I have to spend until the next paycheck. If I have any left over when I reach the next paycheck, it gets added to my savings and I repeat the process.I guess its a digital envelope system if you really think about it.I also use an app on my phone called iReconcile. Its basically a digital ledger that will track my expenses by category, account, etc. I can get reports on all of those things as well. It has ways to create budgets, but its just a visual representation of how much youve spent against that budget.I ran a few reports and found I can probably cut down on eating out to save a few extra dollars a day. Over the past 6 months, my average is 14day eating out.If I cut into my savings amount, I could probably start living on next months income right now.So do I really need YNAB? If so, why? If not, are there any suggestions anyone can make to make my process more efficient?  <response>: My answer for myself was absolutely not...until I tried it out. No amount of us explaining why YNAB works will help you to really understand the benefits until you actually try it out. Everyone is different, so its possible its just not for you. Theres a 34-day free trial and the steam summer sale is soon, so you should be able to pick it up for 15 if you decide you like it.Edit: See this thread for more whys 