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How to Create a Budget for Couples: A Step-by-Step Guide
How to Create a Budget for Couples: A Step-by-Step Guide — a free beginner-level guide covering how to make a budget for couples. Learn with clear...
What you will learn
- Introduction to Couple Budgeting
- Assessing Your Financial Situation
- Setting Financial Goals Together
- Choosing a Budgeting Method
- Tracking Income and Expenses
- Managing Debt as a Couple
- Saving and Investing Together
- Handling Disagreements About Money
- Budgeting for Shared and Individual Expenses
- Reviewing and Adjusting Your Budget
- Tools and Apps for Couple Budgeting
1. Introduction to Couple Budgeting
The Power of Budgeting Together Imagine this: You and your partner just sat down for a relaxed dinner when the topic of money comes up. Instead of tension, frustration, or awkward silence, you both smile. You’re on the same page about your finances, and your shared budget is working for you. How did you get here? For many couples, money is the 1 source of stress—but it doesn’t have to be. The key? Budgeting together. This chapter will show you why budgeting as a couple matters, the challenges you might face, and how working as a team can transform your financial future. Why Budgeting as a Couple Matters Money touches nearly every part of your life together. From rent and groceries to vacations and retirement, financial decisions shape your relationship’s stability and happiness. Here’s why budgeting together is essential: 1. It Builds Trust and Transparency Money is deeply personal, and combining finances can feel vulnerable. A budget creates a structured way to share financial details without judgment. When both partners openly discuss income, expenses, and goals, trust grows. Example: Sarah and Mark started budgeting together after realizing they had very different spending habits. Sarah preferred saving, while Mark enjoyed spontaneous purchases. By creating a budget, they found a balance—Mark could still enjoy occasional treats, while Sarah felt secure knowing their savings were growing. 2. It Prevents Financial Surprises Unexpected expenses (like car repairs or medical bills) can derail a couple’s finances if they’re not prepared. A budget helps you: - Track income and expenses so you know exactly where your money goes. - Plan for emergencies by setting aside savings. - Avoid overspending by sticking to agreed-upon limits. 3. It Aligns Your Financial Goals Couples often have different priorities—one might want to buy a house, while the other dreams of traveling. A budget helps you: - Prioritize goals together (e.g., saving for a down payment vs. a dream vacation). - Compromise when goals conflict. - Celebrate progress as a team. 4. It Reduces Stress and Conflict Money fights are common, but they don’t have to be inevitable. A budget: - Creates clear expectations so neither partner feels blindsided. - Provides a neutral framework for discussions (e.g., "Our budget says we can spend $X on dining out this month"). - Minimizes guilt or resentment by making spending decisions together. Common Financial Challenges Couples Face Even with the best intentions, couples often hit roadblocks. Here are a few to watch for: 1. Different Spending Habits One partner might be a saver, while the other is a spender. Without communication, this can lead to tension. A budget helps bridge the gap by: - Setting shared spending limits. - Allowing personal spending allowances (more …
2. Assessing Your Financial Situation
Why You Need a Clear Financial Picture Imagine this: You and your partner sit down to plan a weekend getaway. One of you pulls up a savings account balance, while the other checks a credit card statement. The numbers don’t match. One of you thought you had $1,200 saved, but after accounting for recent expenses, it’s actually $800. Worse, neither of you realized you’d overspent on dining out last month, leaving you with less flexibility than you expected. This scenario happens more often than you’d think. Without a clear understanding of your financial situation, couples often make decisions based on assumptions rather than facts. That’s why assessing your financial situation is the foundation of successful couple budgeting. Before you can plan for the future, you need to know exactly where you stand today. In this chapter, we’ll guide you through three key steps: 1. Listing all income sources for both partners. 2. Identifying and categorizing expenses to see where your money goes. 3. Calculating your net worth and savings to understand your financial health. By the end, you’ll have a complete snapshot of your finances—one that will help you make smarter decisions together. --- 1. Listing All Income Sources Before you can budget, you need to know how much money you have coming in. This includes all sources of income for both partners, not just paychecks. What Counts as Income? Income isn’t just your salary. It includes: - Regular paychecks (after taxes and deductions) - Freelance or side hustle earnings - Investment income (dividends, interest, rental income) - Government benefits (Social Security, unemployment, child support) - Gifts or windfalls (tax refunds, bonuses, inheritances) Why Both Partners’ Income Matters Even if one partner earns significantly more, both incomes contribute to your shared financial picture. For example: - If one partner works part-time while the other is a full-time employee, their income still affects your budget. - If one partner has a side hustle, those earnings should be included in your total income. Example: Tracking Income as a Couple Let’s say: - Partner A earns $3,500/month after taxes. - Partner B earns $2,800/month after taxes. - Partner B also gets $300/month from a rental property. Total monthly income: $6,600 If you didn’t account for the rental income, you might underestimate how much you can save or spend. Action Step: Create an Income List 1. Gather pay stubs, bank statements, and any other income records. 2. Write down every source of income for both partners. 3. Calculate the total monthly income (after taxes). --- 2. Identifying and Categorizing Expenses Now that you know how much you earn, the next step is tracking where that money goes. Expenses fall into two main categories: Fixed …
3. Setting Financial Goals Together
What’s the Point of Financial Goals? Imagine this: You and your partner sit down for a budgeting session. You start listing expenses, but soon, the conversation turns into an argument. One of you wants to save for a vacation, while the other insists on paying off debt first. Sound familiar? This is where financial goals come in. They’re the roadmap that helps couples navigate money decisions without conflict. Without clear goals, budgeting becomes a guessing game—one where frustration often wins. In this chapter, you’ll learn how to: - Differentiate between short-term and long-term goals - Set realistic, achievable goals as a couple - Prioritize goals based on importance and urgency By the end, you’ll have a shared vision for your money—one that aligns with both of your priorities. --- Short-Term vs. Long-Term Goals What’s the Difference? Financial goals fall into two categories: - Short-term goals: Achievable within 1–3 years (e.g., saving for a vacation, paying off a small debt, building an emergency fund). - Long-term goals: Take 3+ years to achieve (e.g., buying a home, retirement, paying off a mortgage). Example: - Short-term: Saving $2,000 for a weekend getaway. - Long-term: Saving $50,000 for a down payment on a house. Why It Matters Short-term goals keep you motivated with quick wins, while long-term goals give you a bigger picture to work toward. Without this distinction, you might focus too much on immediate wants (like dining out) and neglect future needs (like retirement). Tip: Write down your goals in two lists—one for short-term and one for long-term. This simple exercise clarifies what’s urgent and what’s important. --- How to Set Realistic Goals Together Step 1: Have an Open Conversation Before setting goals, talk openly about: - Your individual priorities (e.g., one partner may want to travel, while the other prioritizes saving for a home). - Your financial fears (e.g., debt, job instability, unexpected expenses). Example: Sarah wants to pay off her student loans fast, while Mark wants to save for a car. Instead of arguing, they discuss which goal feels more urgent and how they can balance both. Step 2: Make Goals SMART Avoid vague goals like “save more money.” Instead, use the SMART framework: - Specific (e.g., “Save $500 per month for an emergency fund”). - Measurable (e.g., “Pay off $3,000 in credit card debt by December”). - Achievable (e.g., “Cut dining out to twice a month to save $200”). - Relevant (e.g., “Save for a down payment because we want to buy a house in 5 years”). - Time-bound (e.g., “Build a $10,000 emergency fund in 2 years”). Step 3: Align on Shared Values Goals should reflect both of your values. If one partner loves experiences (travel, concerts) and …
4. Choosing a Budgeting Method
The "Right" Way to Budget Imagine Sarah and Mark. They’ve already completed the steps of Assessing Your Financial Situation and Setting Financial Goals Together. They know exactly how much they earn and that they want to save for a house down payment in three years. However, when they sit down to actually move their money, they hit a wall. Sarah wants a strict plan where every single dollar is assigned a job so they can reach their goal faster. Mark feels suffocated by that idea; he prefers a general guideline that ensures the bills are paid and the savings are funded, but leaves him room to buy a video game or a fancy coffee without checking a spreadsheet. Their conflict isn't about money—it's about budgeting methodology. A budgeting method is simply the "system" or set of rules you use to manage your cash flow. There is no single "correct" method; there is only the method that fits your specific relationship dynamic, your personalities, and your goals. If a system is too rigid, the "spender" in the relationship will rebel. If it is too loose, the "saver" will feel anxious. The goal of this chapter is to move you from "we need to budget" to "this is the specific system we are using." Popular Budgeting Methods Depending on how much detail you enjoy and how much control you need, different methods will appeal to you. Here are the most common approaches used by couples. The 50/30/20 Rule The 50/30/20 rule is a proportional budget. Instead of tracking every cent, you divide your after-tax income into three broad categories. 1. 50% for Needs: These are non-negotiable expenses. Think rent/mortgage, utilities, basic groceries, insurance, and minimum debt payments. 2. 30% for Wants: These are lifestyle choices. This includes dining out, streaming services, hobbies, and travel. 3. 20% for Financial Goals: This is the money used to build your future. It goes toward extra debt payments, emergency funds, and the goals you established in Setting Financial Goals Together. Best for: Couples who want a "big picture" view and don't want to spend hours tracking every single transaction. It provides a guardrail without being restrictive. Zero-Based Budgeting Zero-based budgeting (ZBB) is the practice of assigning every single dollar of your monthly income to a specific category until there is zero dollars left over. Income - Expenses = 0 If you earn $5,000 a month, you allocate all $5,000. If you have $200 left over after paying all bills and funding your goals, you don't just leave it in the checking account; you assign it to a specific "bucket," such as "Vacation Fund" or "Extra Principal on Loan." Best for: Couples who are highly motivated to …
5. Tracking Income and Expenses
The "Where Did It Go?" Mystery Imagine it’s the 20th of the month. You and your partner sit down to check your bank balance, expecting to have a comfortable cushion left for the final ten days. Instead, you find the balance is alarmingly low. Neither of you remembers a single massive purchase. There was no emergency car repair or unexpected medical bill. Yet, the money is gone. This is the "leakage" effect. Small, unnoticed purchases—a few streaming subscriptions, daily gourmet coffees, unplanned takeout, or "quick" trips to the drugstore—act like tiny holes in a bucket. Individually, they seem insignificant. Collectively, they drain your resources and make it impossible to reach the goals you established during Setting Financial Goals Together. Tracking is the process of plugging those leaks. It is the act of recording every cent that enters your household and every cent that leaves it. Without tracking, a budget is just a wish list; with tracking, a budget becomes a factual map of your life. Understanding the Basics: Income vs. Expenses Before you start recording numbers, you need a clear understanding of what you are actually tracking. While these terms seem simple, couples often disagree on what "counts" as income or an expense. Defining Income Income is any money that comes into your household. For most couples, this is their primary salary, but it can include several other sources: Net Income (Take-Home Pay): This is the amount that actually hits your bank account after taxes, insurance, and retirement contributions are deducted. When tracking for a budget, always use your net income, not your gross salary. Side Hustles: Money earned from freelance work, selling items online, or part-time gigs. Bonuses and Tax Refunds: Occasional windfalls that can be used to accelerate your goals. Dividends or Interest: Money earned from savings accounts or investments. Defining Expenses Expenses are any outflows of money. To track them effectively, you must categorize them so you can see where the money is going, not just that it is gone. 1. Fixed Expenses: These are costs that remain the same every month. They are predictable and usually non-negotiable in the short term. Examples: Rent or mortgage, car insurance, internet bills, or gym memberships. 2. Variable Expenses: These costs change from month to month. This is where most "leakage" occurs and where you have the most power to make changes. Examples: Groceries, electricity (which fluctuates by season), gasoline, and dining out. 3. Discretionary Expenses: These are "wants" rather than "needs." This is the money spent on lifestyle choices. Examples: Movies, hobbies, new clothes, or a fancy dinner date. Setting Up Your Tracking System The "best" system is the one that you and your partner will actually use. If …
6. Managing Debt as a Couple
The "Debt Secret" Tension Imagine Sarah and Mark. They’ve already gone through the process of Assessing Their Financial Situation and Tracking Income and Expenses. On paper, they are doing great. But Mark has a secret: a credit card from his college days with a $5,000 balance that he’s been paying the minimum on for years. Sarah has a student loan that feels like a mountain she can never climb. When they finally sit down to talk about it, the conversation isn't just about numbers; it's about shame, fear, and different perspectives on borrowing. Debt is rarely just a mathematical problem; it is an emotional one. When you manage it as a couple, you aren't just balancing a ledger—you are navigating trust. To move forward, you need a shared language to describe your debt and a unified strategy to eliminate it. Understanding the Landscape of Debt Before you can create a plan, you must identify exactly what you are dealing with. Not all debt is created equal. In financial terms, debt is simply money borrowed from a person or institution that must be paid back, usually with an added cost called interest. Interest is the price you pay for the privilege of using someone else's money. It is typically expressed as an Annual Percentage Rate (APR), which tells you how much the loan costs you per year as a percentage of the total amount borrowed. High-Interest Debt (The "Emergency" Debt) High-interest debt grows quickly and can trap you in a cycle where you only pay off the interest without ever touching the original amount borrowed (the principal). Credit Cards: These are often the most dangerous because they have high APRs. If you don't pay the full balance every month, the interest compounds, meaning you pay interest on your interest. Payday Loans: Short-term, very high-interest loans that can lead to a debt spiral. Store Credit Cards: Often have even higher rates than general credit cards. Low-to-Moderate Interest Debt (The "Manageable" Debt) These are often larger sums of money, but the interest rates are lower, making them less urgent to pay off than credit card debt. Student Loans: Loans taken out for education. These may be federal or private and have varying interest rates. Auto Loans: Loans used to purchase a vehicle, usually secured by the car itself. Mortgages: A loan used to buy a home. This is generally the lowest-interest debt because the home serves as collateral. Identifying Your Combined Debt Profile To get a clear picture, create a "Debt Inventory" list. Sit down together and list every single debt you both hold, regardless of whose name is on the account. For each item, record: 1. The Creditor (who you owe). 2. …
7. Saving and Investing Together
The "What If" Conversation Imagine you and your partner have finally mastered the art of Tracking Income and Expenses. You’ve found a rhythm, your budget is balanced, and you’re successfully Managing Debt as a Couple. You feel a sense of stability. Then, the unexpected happens: the water heater bursts, flooding the basement, or one of you receives a call that a job layoff is coming. In these moments, the difference between a crisis and a mere inconvenience is your Liquidity—the amount of cash you have readily available to cover costs without borrowing more money. Saving and investing are the two engines that move you from "surviving" to "thriving." While budgeting is about managing the money you have today, saving and investing are about securing the money you will need tomorrow. Building Your Safety Net: Emergency Savings Before you buy a single stock or plan a luxury vacation, you need a foundation. In the financial world, this is known as an Emergency Fund. An Emergency Fund is a dedicated stash of money set aside specifically for unplanned expenses. It is not for a new sofa, a holiday gift, or a "great deal" on a flight. It is for the "what ifs" that would otherwise force you back into debt. How Much Should You Save? The standard rule of thumb is to save three to six months of essential living expenses. To calculate this as a couple, look back at your Tracking Income and Expenses data. Do not look at your total income, but rather your "must-have" expenses: Housing (Rent/Mortgage) Utilities (Electricity, Water, Internet) Groceries Insurance Minimum debt payments Example: If your combined essential monthly expenses are $3,000, your target emergency fund should be between $9,000 and $18,000. Where to Keep the Money The goal of an emergency fund is Accessibility and Safety, not growth. You should not invest this money in the stock market, where its value could drop right when you need it. Instead, use a High-Yield Savings Account (HYSA). This is a type of savings account, usually offered by online banks, that pays a significantly higher interest rate than a traditional brick-and-mortar savings account. Your money stays liquid (meaning you can withdraw it quickly), but it earns a bit more interest while it sits. The Strategy for Couples Depending on how you have decided to manage your money, you can fund this in two ways: 1. The Joint Pot: A single account owned by both partners. This is often the simplest way to ensure the money is there for shared emergencies (like a broken furnace). 2. The Split Contribution: Each partner contributes a set amount from their individual income into a shared account until the goal is reached. Short-Term …
8. Handling Disagreements About Money
When "I Thought We Agreed" Becomes a Fight Imagine this: You and your partner have spent weeks Tracking Income and Expenses and Setting Financial Goals Together. You have a plan. But then, you glance at the bank statement and see a $300 purchase for a high-end kitchen gadget or a luxury skincare set that wasn't in the budget. Immediately, the tension rises. One partner feels betrayed or anxious about the spending; the other feels controlled or judged. Within minutes, a conversation about a single purchase spirals into a fight about trust, habits, and the future of the relationship. This is the "Money Gap." It isn't usually about the $300; it’s about the different emotional meanings you both attach to money. For one person, spending is about enjoyment and reward; for another, it is about security and safety. When these internal scripts clash, conflict is inevitable. The goal is not to eliminate disagreements—that is nearly impossible. The goal is to move from destructive conflict (blaming and arguing) to constructive conflict (problem-solving and compromising). Common Sources of Financial Friction Before you can solve a disagreement, you have to identify what is actually causing it. Most couple conflicts fall into one of three categories: 1. The Saver vs. The Spender Dynamic As introduced in the Introduction to Couple Budgeting, some people are naturally savers while others are spenders. The Saver views money as a safety net. To them, a growing bank account equals peace of mind. Unplanned spending feels like a threat to their security. The Spender views money as a tool for living. To them, money is meant to be used to improve quality of life now. Strict budgeting can feel like deprivation or a lack of freedom. 2. Differing "Money Stories" We all carry a "Money Story"—the subconscious beliefs about money we learned from our parents and childhood. If you grew up in a household where money was scarce, you might be hyper-vigilant about every cent. If you grew up in a home where money was used to solve every problem, you might struggle with the concept of "no." If money was a secret or a source of shame in your childhood home, you may find Transparency (discussed in the first chapter) deeply uncomfortable. 3. Power Imbalances Conflict often arises when there is a significant difference in income. The higher earner may feel they should have more "say" in how money is spent, while the lower earner may feel they have lost their autonomy or voice in the relationship. This creates a dynamic of "permission" rather than "partnership." Communication Techniques for Money Talks Talking about money is emotionally charged. To prevent a budget review from turning into a battle, you need …
9. Budgeting for Shared and Individual Expenses
The "My Money" vs. "Our Money" Dilemma Imagine this: Sarah and Mark have been dating for three years and recently moved in together. They’ve already gone through the process of Assessing Their Financial Situation and Setting Financial Goals Together, and they’ve agreed to a joint budget. One Tuesday, Mark buys a limited-edition $150 Lego set. Sarah sees the transaction on their shared account and feels a surge of frustration. To her, $150 is a significant amount that could have gone toward their shared goal of a house deposit. To Mark, it’s a hobby he’s enjoyed since childhood, and he feels suffocated knowing he has to "ask permission" to buy something for himself. This is the classic tension of couple budgeting. If you pool every single cent, you risk feeling a loss of autonomy. If you keep everything separate, you risk inefficiency and a lack of unity. The secret to a sustainable relationship isn't choosing one or the other—it's creating a clear system that defines what is Shared and what is Individual. Defining Shared vs. Individual Expenses Before you can allocate funds, you must agree on the "category" of every expense. Without a shared definition, you will inevitably run into the "Lego set" conflict. Shared Expenses Shared expenses are costs that benefit both partners or are necessary for the maintenance of your joint life. These are the "non-negotiables" of your partnership. Common shared expenses include: Housing: Rent or mortgage payments, property taxes, and homeowners' insurance. Utilities: Electricity, water, heating, internet, and trash pickup. Groceries: Food and household supplies (toilet paper, cleaning products) used by both. Joint Debt: Any loans or credit cards you have agreed to pay off together, as discussed in Managing Debt as a Couple. Shared Goals: Contributions to a joint savings account for a vacation, a wedding, or a home. Childcare/Pet Care: Costs associated with raising children or caring for a shared pet. Individual Expenses Individual expenses are costs that are specific to one person’s preferences, habits, or pre-existing obligations. These are the areas where you maintain your financial independence. Common individual expenses include: Personal Hobbies: Gaming, crafting, sports equipment, or collectibles. Individual Wellness: A specific gym membership, a specialized skincare routine, or a personal therapist. Personal Debt: Student loans or credit card debt incurred before the relationship. Gifts for Each Other: If you use shared money to buy your partner a birthday gift, they will likely see the transaction. Keeping gift money individual preserves the surprise. Clothing and Personal Grooming: While some couples share this, many prefer to keep "style" spending separate. Entertainment with Friends: A night out with your own friends that doesn't include your partner. Systems for Managing Shared Responsibilities Once you have a list …
10. Reviewing and Adjusting Your Budget
The "Set It and Forget It" Trap Imagine Sarah and Mark. They spent three weekends meticulously building their first couple's budget. They tracked every penny, aligned their goals, and felt a surge of pride when they hit "save" on their spreadsheet. They felt they had "solved" their finances. Fast forward six months. Sarah got a modest raise at work, but the price of their favorite grocery store climbed significantly. Mark started a new hobby that required a monthly subscription. Because they hadn't looked at their budget since they created it, they were baffled when they realized their savings account wasn't growing as planned, and they were consistently overspending on "miscellaneous" items. Sarah and Mark fell into the "Set It and Forget It" trap. They treated their budget like a stone monument—something permanent and unchanging. In reality, a budget is a living document. It is a map, and as the terrain of your life changes, your map must be updated to keep you from getting lost. Scheduling Your Budget Reviews The biggest hurdle to maintaining a budget isn't the math; it's the habit. When you don't have a designated time to talk about money, budget discussions often happen "in the heat of the moment"—usually while one partner is staring at a surprisingly high credit card bill or during an argument about a purchase. To avoid this, you need a structured schedule. The Monthly Money Date The most effective way to stay aligned is the Monthly Money Date. This is a dedicated, recurring appointment where you and your partner sit down specifically to review the previous month and plan for the next. The goal of a Money Date is not to audit each other or hunt for mistakes. Instead, it is to synchronize your financial lives. To make this successful, follow these guidelines: Make it a "Date": Money can be stressful. Pair the review with something enjoyable—a favorite snack, a glass of wine, or a trip to a coffee shop. This associates budget reviews with positive experiences rather than conflict. Keep it Consistent: Pick a recurring date (e.g., the first Sunday of every month). Put it on both of your digital calendars. Set a Time Limit: Don't let the meeting drag on for hours. Aim for 30 to 60 minutes. If you hit a complex disagreement, refer back to the strategies for Handling Disagreements About Money and schedule a separate time to tackle that specific issue. The Weekly Check-In While the Monthly Money Date is for big-picture adjustments, a Weekly Check-In is for tactical maintenance. This is a quick, 10-minute "pulse check" to ensure you are staying on track with your Tracking Income and Expenses. During a weekly check-in, ask: 1. Did …
11. Tools and Apps for Couple Budgeting
The "Who Spent What?" Dilemma Imagine this: It’s Tuesday evening, and you and your partner are sitting on the couch. You remember seeing a charge for $85 at a home decor store on your joint bank statement, but neither of you can recall making that purchase. You spend the next twenty minutes scrolling through your individual banking apps, checking emails for digital receipts, and debating who might have forgotten to mention a purchase. This is the "friction of fragmentation." When your financial data lives in three different places—his app, her app, and a joint statement—the mental energy required to Track Income and Expenses increases. This friction often leads to the very stress and conflict you aimed to avoid when you started Budgeting Together. The good news is that you don't have to rely on memory or manual detective work. The right tool acts as a "single source of truth," transforming your budget from a chore into a shared dashboard. Understanding Your Tool Options Before diving into specific apps, it is important to understand that "tools" aren't just software. Depending on your comfort level with technology and your need for privacy, you will likely fall into one of three categories of tool users. 1. The Manualists (Analog & Simple) Some couples find that the act of physically writing things down makes the budget feel more "real." The Notebook/Planner: A dedicated ledger where you record every expense. The Whiteboard: A large board in the kitchen where you track progress toward Setting Financial Goals Together (e.g., a drawing of a thermometer filling up as you save for a vacation). The Envelope System: Using physical cash in labeled envelopes to prevent overspending in specific categories. 2. The Customizers (Spreadsheets) Spreadsheets are the middle ground. They offer more power than a notebook but more flexibility than an app. Google Sheets: The gold standard for couples because it allows for real-time collaboration. Both partners can edit the budget simultaneously from their own phones or laptops. Microsoft Excel: Powerful for those who want advanced formulas and deep data analysis, though sharing can sometimes be clunkier than cloud-based options. 3. The Automators (Budgeting Apps) Apps are designed to reduce the amount of manual data entry. Most connect directly to your bank accounts via Aggregation (the process of gathering data from multiple financial institutions into one interface). Syncing: This allows the app to automatically pull in transactions. Categorization: The app attempts to label a charge from "Starbucks" as "Dining Out" automatically. --- Popular Budgeting Tools for Couples: A Comparison There is no "perfect" app, only the app that fits your specific Budgeting Method. Here is a breakdown of the most popular tools used by couples today. YNAB (You Need …
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