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Appreciate all the response's guy's. I find that Excel works the best for me as well. I guess I am just looking for that magical fix, but really just need to put in the effort and stay on track.

Yea, I am working on the envelope system. It just seems that I haven't hit that never again moment because I keep doing the same stuff. I have gotten really close a few times, only to fall back into the rut.

Jut curious if any of you guys have any budgeting software you might recommend. I am an avid Dave Ramsey follower but have been bouncing between budgeting software for a while and cant seem to nail down one I like.

Has/does anyone use YNAB or quicken?

If yall have any suggestions I would appreciate it.