Most people fail at budgeting because they either don't have enough willpower to resist overspending or they just don't have the time to keep a budget up to date. In short, SpendPal works because we automate the busy work of budgeting and eliminate the need to have willpower to be successful. 

Here's how:

When you select what Category you'd like to spend from, you also see what Category money will be stolen from if you overspend. Seeing something important, that you'd have to give up if you overspend, helps you naturally overpower your emotions pulling you to overspend. Fighting emotion with emotion is easier and more effective than trying to buckle down and do the right thing. 

Having your purchases automatically deducted from the Category you selected for spending means you can have confidence that the balance you have left to spend in each Category is accurate and up-to-date in real time. This means no more late nights trying to re-categorize transactions from last week that your budgeting software got wrong. 

SpendPal's perfect blend of psychology and smart automation will help you naturally start to spend smarter and live better.  We invite you to try it for yourself and experience the SpendPal difference. 

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