YNAB (You Need A Budget) helps you plan your spending based on your regular and occasional expenses and income. Age your money (spend less than you earn, and eventually, you’ll be spending money you earned a month or more ago). YNAB starts by opening the home page, simply called Spending Plan, which at this early stage displays a starter set of spending categories based on your history. It includes a list of spending categories to get you started. Setting Up the Spending Plan: A Precise Approach That Clearly Shows ProblemsThe sole step that feels akin to a traditional budget is setting spending targets.