<prompt> Human: I dont make a lot of money, but what money I do make I need to pay off my student loans and credit cards. Is there a good piece of software or something that you can recommend to help me get all this under control and maybe start saving money, or even save enough for an IRA or something? I dont have the first clue about all this and I am 45 years old! sad, I know... Thanks!edit to add: Thank you everyone! I am learning about YNAB now and it looks fantastic! Now I need to learn how to save money. Meaning, getting dem bills down so I can funnel something in savings. : This is overwhelming!  <response>: Why yes we do. :Software is either or both Mint.com or YNAB. I am sure one of these two will help you in the right direction.For paying down your cards and loans, try There are also spreadsheets on the sidebar in case youre wary of having an app work your budget.Best of luck. Its never too late to start living within your means. 