I've realized over the past few hours that I've spent an absurd amount of money relative to my income over the last few days, and I think that starting to budget would probably be a very good thing for me. Does anyone know of any good tools for keeping and managing a personal budget?

For me, saving money has been pretty tough but my goal is to maintain a minimum of 4 months pay in the bank in case of hard times. My fiance started her MBA and we have been fortunate that we can pay for it outright instead of adding on top of our loans. In the past year I have gotten a bit into churning and using the rewards to help partially pay for vacations throughout the year which has helped a bunch.

I'm interested to read about any goals we are working towards and also talk about different savings strategies!

I was scrolling through Instagram when I saw an ad for an AI budgeting app called Cleo

I was wondering if anyone had experience with this app or has heard anything about it? I do want to start using budgeting assistants since I'm pretty bad fiscally.

Does anyone use budgeting apps? If so, what would you recommend?