I don’t claim to be a financial genius. I’ve had my struggles in the past, but now there’s a new-found hope for how I manage my money and it all started with a simple little piece of software called You Need A Budget or YNAB for short. It only does one thing, but it does it really well. They’ve taken the concept of budgeting, with which many people struggle, and they’ve made it embarrassingly easy. In the end, it wasn’t the software that helped me turn a corner, but the YNAB Method. The software helps to keep YNAB’s four simple thoughts front and center in my mind and that has helped me rethink the way that I manage my money.