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Welcome Clients of Sonji Tucker!

Make this the year to gain control of your finances, stop living paycheck to paycheck, get out of debt, and save more money.

YNAB App Available On Web, iOS and Android
YNAB App Available On Web, iOS and Android

You Need A Budget is award-winning software and a proven method—that works.

What really makes You Need A Budget different is that we can teach you how to manage your money and get ahead—for good. What if your bills rolled in and instead of piling up, you just paid them? No sweat. What if you didn’t even realize it was payday because you had money in the bank and weren’t desperate for that check to arrive? Forget everything you think you know about budgeting and prepare to experience total control. 

On average, new budgeters save $600 in their first two months and more than $6,000 their first year.

Watch this one-minute video about how it works

Changed lives speak for themselves.

We’ve helped hundreds of thousands of people get out of debt and gain control of their money.

  • Overcame Five-Figure Debt

    When I started using YNAB, the heavens opened and angels sang! Seriously, it was so simple! It really clicked with me.”

    Michelle & Billy YNABers since 2015
  • I paid off $56,000

    I thought of consumer debt as something that would always be with me. Now I know that I can stop adding to the debt, and I can even pay it off.”

    Erin YNABer since 2016
  • Broke the Paycheck-to-Paycheck Cycle

    Budgeting for true expenses has made a really big difference using YNAB. It has kept me from having to dip into my emergency fund in order to pay for quarterly or annual expenses. ”

    Bakari YNABer since 2017