Wow! This application so reminds me of the old days of Quicken, but much more user friendly! This program helps you to track your spending and create a budget. I love how it syncs from all devices. I use it all the time and every time I make a purchase, I can use my phone to enter it into YNAB immediately. It has really helped me organize and become better aware of my spending. It is one of the few websites that I actually LIKE receiving newsletters from because of their straightforward and useful ideas. It does cost $60, but I recommend that you try their free 30-day trial first to see if it is what you are looking for. HIGHLY recommended!