3 Tools I Recommend (and Which One I Use)
When it comes to managing your money, the right tools can make all the difference. Whether you’re just getting started or looking to level up your financial organization, using simple, effective systems can help you stay consistent and confident.
Here are 3 money tools I recommend — plus the one I personally use every single week.
1. EveryDollar – Great for Beginners
If you want a simple way to see exactly where your money is going, EveryDollar is a solid choice. Created by Dave Ramsey’s team, it uses the zero-based budgeting method, which means every dollar you earn is given a job—whether that’s bills, savings, or fun.
Why I recommend it:
Clean, easy-to-use design
Tracks income and expenses in real time
Great for learning how to plan ahead
If you’re new to budgeting and want something straightforward, this is a great place to start.
2. YNAB (You Need A Budget) – Best for Habit Building
YNAB isn’t just a budgeting app—it’s a mindset shift. It helps you plan for future expenses, roll with the punches, and stop living paycheck to paycheck. It teaches you to give every dollar a purpose and build healthy money habits that last.
Why I recommend it:
Encourages saving and planning ahead
Syncs easily with bank accounts
Has powerful reporting tools
YNAB takes a little time to learn, but once you do, it’s life-changing.
3. Google Sheets – Best for Full Control
If you like seeing your numbers up close, Google Sheets gives you total customization. You can build your own tracker, adjust it to fit your income schedule, and even share it with your coach or accountability partner.
Why I recommend it:
100% free
Fully customizable for weekly or monthly income
Great for visual learners who want hands-on control
You can make it as simple or as detailed as you want—perfect for anyone who likes to personalize their plan.
The One I Personally Use: Google Sheets
I’ve tried several budgeting tools, but I always come back to Google Sheets. Why? Because it’s simple, flexible, and keeps me focused. I can adjust it weekly, track goals, and see exactly where I stand—all without subscriptions or logins.
It’s also the same tool I recommend to my coaching clients, because it helps you truly understand your money, not just track it.
Final Thoughts
The best tool is the one you’ll actually use. Whether you prefer an app like EveryDollar, an in-depth program like YNAB, or a simple spreadsheet, consistency is what creates progress.
If you’re not sure which tool fits your lifestyle, I can help you find the right one—and walk you through how to set it up for success.
At Arctic Rose Financial Coaching, I help you simplify your money, gain control, and finally feel confident with your finances.
Book your Free Snapshot Call today and let’s build a system that works for you.