Young woman paying bills on tablet

A Simple Trick for Budget Success


Having a budget is foundational to your financial wellness.

It’s the best way to make sure you have money for the things you need and the goals you set, as well as the things you want.

Budgets are like the New Year’s resolutions of personal finance. We all know we should have one, but they’re tough to stick to. Like resolutions, we often map out personal budgets with the best of intentions, only to abandon them a couple of weeks later. If this is you, try using a budgeting app! Here are three we recommend:

You Need a Budget
Every Dollar
Dave Ramsey
Cost $11.99/month or $84/year free free or $129.99/year
Account aggregation (automatic transaction tracking) paid version only
Investment monitoring
Goal tracking
Debt pay down
Credit score monitoring


Any of these apps can simplify starting your budget. And for the easiest ongoing budgeting, link your accounts for automatic spending tracking. These apps allow you to more clearly see where each dollar goes. Your budget shouldn’t make you feel guilty about spending money, it should make you feel confident in what you can spend while still sticking to your goals.

Kalsee is not affiliated with YNAB, Mint, or Every Dollar. Information is accurate as of 5/6/2020.

More to Explore

man scratching his head

How Do I...

Click to view our locations and hours.

Click to locate a fee-free ATM  near you. Did you know you can use credit union CO-OP network ATMs and fee free?
KALSEE Credit Union offers Comprehensive Identity Theft Protection for members and their families for only $2.00/month. Learn more about ID Protect.
Kalsee's routing number is #272481855. You can find it located at the bottom left of your checks.

Don't see your question listed?

Visit our FAQ page.