Doing the Math

So a while back I downloaded YNAB, which stands for You Need a Budget. Because I did–I really really needed a budget. I looked around at recommended free apps, and tried Wallet, and it just didn’t work for me. Somehow I never quite managed to figure out what I was supposed to be doing with it. Probably too modern, I decided. So I went “old school” and found a budgeting spreadsheet template.

Yeah, no. I didn’t want to enter every single thing at my computer every night, and make sure everythin...