Instead, they tell us that we have run off the road, without providing any hints about how to get back. What is missing from all these apps, however, is course correction- guidance about how to get back on track when our actual spending doesn’t match our best intentions. This planning process helps us decide what we want to do–just like it is a good idea to look at a map before jumping in the car for a long trip. These apps have a budgeting feature to define spending and savings goals, then compare actual spending to these goals. There are many apps like these, and they can all tell you what you did with your money. Budgeting tools like Mint, Quicken, You Need a Budget (YNAB) and others can track spending transactions just fine.
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