Make an Excel spreadsheet for your budget and don't spend $60 on YNAB. Or, I mean, if you find YNAB worth $60, go on and buy it, but I manage to keep a budget, pay my bills on time (and extra), save, and etc., without YNAB and without allocating every penny. I think budgets are fun numbers problems. I like to make them. The hard part of a budget is not making the budget. It is sticking to it.
I'm one step ahead of you on that one, I've just seen people raving about YNAB lately and got intrigued. I'll probably stick to my custom spreadsheet because, you know, pivot tables and stuff like that are amazing tools. Do you use a budget? I'm assuming yes from your comment.
Here you go, download their free budget planning Excel sheet It's a little simplistic but it'll do everything YNAB does and get you in the ballpark.