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Budgeting is a simple skill to learn — take one month to track everything you spend money on. The results might surprise you, but once you know where your money is going, it becomes that much easier to rein in your spending habits Simply Frugal: How To Learn Personal Finance The Easy Way Simply Frugal: How To Learn Personal Finance The Easy Way Do you fret over bills and debt on a regular basis? Do you feel lost when others speak using financial lingo? Here's the good news: it's never too late to learn about money. Read More .

But the actual tracking of expenditures can be a pain if all you have is a pen, some paper, and a calculator. That’s why you need You Need A Budget, which we consider to be the best budgeting software you’ll ever use. (Check out our YNAB review YNAB Makes It Easy to Make a Budget and Stick to It YNAB Makes It Easy to Make a Budget and Stick to It Does your checking account remind you of a debt-burdened Southern European nation? You Need A Budget. We know it's tough to keep track of spendings. YNAB can help. Read More for more details.)

The downside is that YNAB costs $60… unless you’re a student.

Since March 2014, YNAB has offered their budgeting software for free to college students across America — even if you’re only enrolled part-time! So take advantage of it while you can. Not only can YNAB help you graduate with less debt, but it can also help you pay off your debts faster How to Get Rich: The Fastest Way to Get Out of Debt How to Get Rich: The Fastest Way to Get Out of Debt Imagine being debt free. No overdrawn balances or unpaid bills. There is a foolproof way of getting yourself out of debt. It starts with a plan and some discipline. Let's visit the other ingredients. Read More .

Here’s how to get your free version of YNAB:

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  • Email support@youneedabudget.com and attach proof that you’re a college student.
  • They’ll send you a special license key that lasts for the remainder of the calendar year.
  • If you’re still a student next year, just send another email and you’ll get another license key to use.

Will you be taking advantage of this offer? If not, what budgeting software do you use instead? Share with us in the comments below! We’d love to hear from you.

Image Credit: Piggy Bank by sheff via Shutterstock

  1. Anon
    May 29, 2016 at 11:16 am

    Can YNAB be had free by students from other countries? Seems a tad racist to offer it only to American college goers.

  2. Iskren Mihaylov
    October 13, 2015 at 4:48 am

    GnuCash :)
    It is free ( and opensource) and has Android app to help you track expenses on the go.

    • Joel Lee
      October 16, 2015 at 3:04 pm

      Thanks for sharing, Iskren. GnuCash is a workable solution for someone who really needs free, thanks for mentioning it. Imo, it falls quite short of YNAB in terms of usability and comfort. Is it worth $60 to get budgeting software that feels good to use? I think so. :)

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