Learn how to budget smarter, not harder, with proven strategies and the best budgeting apps for first-time buyers in 2025. From his in-depth research, David shares the top five budgeting apps tailored for home purchase planning in 2025, plus two bonus tools for spreadsheet lovers and detail-oriented planners. Along the way, he warns against predatory financial service companies and common app pitfalls that could cost you more in the long run.

Quote: "A budget is a tool to afford more of what you love."

Highlights:

• Why budgeting is about empowerment, not deprivation.
• How zero-based budgeting gives every dollar a job.
• The 50/30/20 rule as a starting point for intentional saving.
• Top 5 budgeting apps for first-time buyers in 2025.
• Why free budgeting apps often fall short.
• Predatory pitfalls to avoid when choosing financial tools.

LINKS TO THE BEST BUDGETING APPS of 2025

1. You Need a Budget - YNAB
2. Monarch Money
3. Quicken Simplify
4. Nerdwallet
5. Copilot
6. Lunch Money

Referenced Episodes:

• Episode 306 - Saving To Buy Your Home: Homebuying 101
• Episode 305 - Debt Management: Homebuying 101
• Episode 180 - Online Mortgage Calculators Are GARBAGE - Here’s Why
• Episode 69 - Dave Ramsey Is Dead Wrong When It Comes To Buying Your First Home In 2022 And Beyond
• Episode 106 - Dave Ramsey is Sometimes Right, but OH SO WRONG for First Time Home Buyers

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David Sidoni, the "How to Buy a Home Guy," is a seasoned real estate professional and consumer advocate with two decades of experience helping first-time homebuyers navigate the real estate market. His podcast, "How to Buy a Home," is a trusted resource for anyone looking to buy their first home. It offers expert advice, actionable tips, and inspiring stories from real first-time homebuyers. With a focus on making the home-buying process accessible and understandable, David breaks down complex topics into easy-to-follow steps, covering everything from budgeting and financing to finding the right home and making an offer.

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