What is a good response to the following post made by a classmate? We all here these fancy apps to help us budget our money, but next thing you realize you are just paying for another subscription. I am not the best at budgetting but I still do my best to do it. We all can use some kind of guidance to help reaching a calm life style. The more I see how people use excel to budget is pretty cool, but I do the same just with my notes. I know one can go into depth and track previous expenses but I tend to just forget what I couldve done better as we all make mistakes. Budgetting is huge for us to have as it can really help with anxiety, it helps me a lot until I end using money that hasnt even hit my bank account. The year just started but my goal is to completely get out of all this credit card debt, which its not a lot but it still there. I will be using all kind of free tehniques to help me stay on track, but in the end we all need self control.