You Need a Budget, or YNAB, has gotten rave reviews and testimonials from people who have used the software and principles to get their spending under control. The software runs on desktops, iPhone and Android, and you can sync between them with Cloud Sync. They’ve started offering the software to college students for free. It’s easy for students to qualify; they just need to show proof that they’re students. This is not a limited time offer. When they get the software they can use it until the end of the calendar year, and then, can show proof that they’re still enrolled in college, and get it renewed for another twelve months. If this can help you (or your son or daughter in college) graduate with less debt, and also have better money-management skills, why not? Also, it seems that high schools students might be able to get a free copy too.