[Verse 1]
Spent so much money at the store
But what I bought unplanned has left me poor
These bills keep me awake at night
And I need more discipline to make this right

[Pre-Chorus]
Sinking feeling right before the month ends
I don’t know where my money went this time
Things don’t change, and I’ll do this next month
Again

[Chorus]
Although I think I make a good wage
My paycheck’s spent before I get paid
And now with all this overspending
This debt seems never-ending
I never seem to gain ground
When shopping, I’m nervous when I check out
I hope I’m done with overspending
My finances need mending

[Verse 2]
Feels like I’ve never learned to save
I just learned to buy and spend it all away
And “budget” is a dirty word
But I gotta learn to do that
Or pay for this overdraft

[Pre-Chorus]
Sinking feeling right before the month ends
I don’t know where my money went this time
Things don’t change, and I’ll do this next month
Again

[Chorus]
Although I think I make a good wage
My paycheck’s spent before I get paid
And now with all this overspending
This debt seems never-ending
I never seem to gain ground
When shopping, I’m nervous when I check out
I hope I’m done with overspending
My finances need mending

[Bridge]
To pay off my debt
Gotta start out with a budget
Gonna pay off debt
With a changed mind set
To pay off my debt
Gotta start out with a budget
Gonna pay off debt
With a changed mind set
To pay off my debt
Gotta start out with a budget
Gonna pay off debt
With a changed mind set
To pay off my debt
I know I need a budget, you know You Need a Budget

[Chorus]
With YNAB, budgeting my income
And saving, not much but it is some
And now I’m tracking all my spending
Was broke, but now I’m bending
I’m starting now to gain ground
When shopping, I never feel that stress now
I know I’m done with overspending
My finances are mending
I know I’m done with overspending
My finances are mending
I know I’m done with overspending
My finances are mending