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1. An app called YNAB (You Need A Budget). They use the envelope system of budgeting and they have group classes you can join. Absolutely transformative. 2. Rich Dad Poor Dad
Dave Ramsey is very good. A lot of folks object to him because he can come off as extreme, but his advice is simple and effective.
also he is just a terrible person all around. One of his antics bringing a loaded gun to an all hands.
The subreddit personal finance has straightforward advice, and a very nice algorithm for determining where to put your money (and an exit criteria after which you can do whatever you want). That basic flowchart has helped me set my goals for years, and to maximize my progress towards those goals. It's very simple, a 10 minute read, and backed by most the books and advice you're likely to receive anyway, including bas…
In my case I was lucky. At the age of 25 I was also living paycheck-to-paycheck, and did an obnoxious 5 week trip around Europe which left me broke and unable to make rent. I had to ask my father for a loan to get me through, and the whole experience of that was humiliating. Especially because I had built up a self image of being financially independent. Within a week of that humiliation I had set up a planning spreadsheet and set up savings goals to never have to beg for money again (and it worked).
Point being that, for me at least, setting up the spreadsheet was the easy part - the hard part was deeply having the psychological shift of "I really need to save money".
1. An app called YNAB (You Need A Budget). They use the envelope system of budgeting and they have group classes you can join. Absolutely transformative. 2. Rich Dad Poor Dad
I second YNAB. It played a significant role in my financial responsibility in terms of budgeting and saving. YNAB is an excellent product.