I know, I know. I am venturing into some dangerous waters here. Budgeting apps have been the craze ever since apps themselves started. I mean the top used budgeting app today has over 15 million users. That’s insane! 

I understand the appeal; however, I worry that many people download these apps thinking that it is the missing link between them and true financial control. 

The reason I worry about this is because I was that person many years ago, and I want to tell you a bit of that story a...