YNAB budget app (free trial!) If you’d rather go digital, You Need A Budget (YNAB) is a budgeting app with an A+ Better Business Bureau rating accessible across your phone, tablet, and computer.

John Lowe of MoneyDoctors.ie advises on 30 things that you could do without spending a fortune or even any money at all.

After struggling to gain control of my finances, I used ChatGPT to create a budget. I feel more financially stable and ...