If you’re like me, you are saving money as we enter into a volatile economy. In the past, I would take my time using a pen and paper to keep everything I spend but it is so time-consuming and I just feel that I’m not getting much out of it so I looked into online budgeting. After doing some research on several alternatives, I found that Undebt.it was the one for me. They do offer a free and paid version but I found the paid version offers more options and $12 a year isn’t so bad. I like that this particular has tools to help you strategically pay down debt and keep track of your bill spending. Two methods that this site promotes, the avalanche and snowball method, are both ways to help pay down debt.

Sometimes life is too busy and hectic that it’s hard to sit down to write down everything that you spent in a week on a spreadsheet and it gets expensive working with a personal finance advisor. This is the next best thing if your long-term goal is to be debt free.

There are budget tools that you can try out like Mint, Quicken, and EveryDollar whichever works best for you. Business and personal budgeting will help relieve the stress of where your hard-earned money is going.