YNAB = You Need A Budget
It's a really great zero-based budgeting software and app that has worked wonders on our family finances. It is, essentially, an electronic version of envelope budgeting.
I don't even want to think about how much better my finances would be now if I had known about YNAB in college. Especially when I was trying to get loan money to stretch across 5 months, it would have been a lifesaver