I am looking at this and I am wondering if it's worth $50 a year? Right now I am using Dave Ramsey's method, but until I start getting a regular paycheck again, it's a bit difficult. I also am really trying to cut back on expenses. I cancelled my Ipsy, Amazon Kindle Unlimited, and Planet Fitness membership to use that towards my snowball. So I'm kind of hoping there may be something similar to YNAB that's free.