I’ve been using YNAB (You Need A Budget) for four years now and it has made a big difference in how much we’re saving. I used spreadsheets or other DIY solutions in the past, but they aren’t very multi-user friendly (wife and I share a family budget) and didn’t make me think of savings in the same way.

Here’s a good review: https://thewirecutter.com/money/best-budgeting-apps-and-tool...