Your finances get away from you for two reasons: First, it’s incredibly stressful to think about, so it’s easy to let your mind wander to more interesting topics like politics, family, or literally any other thing. Second, money is complicated! There’s your cash, your credit cards, loans, and FICO score to think about — and that doesn’t even take into account your 401k or stock. Of course, all these problems is exactly what makes Truebill so helpful.

A Truebill and Budget Management Premium subscription is the easiest, fastest, and smartest way to get your financial life in order. This 4.7/5-star app can help you optimize your spending, manage subscriptions, lower your bills and wrangle all the mystery numbers and pitfalls that make up your financial existence.

But this isn’t just a management app. Though Truebill will let you easily check on your cash, credit and investment balances, it will also help you negotiate lower interest rates and payments on your cellphone, cable, and other bills. In short, it won’t just help you save money by spending smarter and knowing what sacrifices to make, it’ll actually help you figure out how to make the stuff you already pay for cheaper.

Of course, having all your financial decisions in one place makes it a lot easier to decide which expenses are necessary and which ones can go. Say you know you want to keep your streaming services — after all, you want to keep up with your favorite shows and movies. But what about the subscriptions you’ve forgotten about, or never use, or simply didn’t realize were so expensive? Truebill organizes all your payments intuitively and simply, helping you cut out the pointless expenses that are keeping you from achieving your saving goals.

And most important, Truebill is safe. It securely connects to all your accounts with 256-bit SSL encryption and read-only access — in other words, bank-level security. So if you trust your local bank with your money, which you probably do, then you can also trust Truebill. After all, this is a company that’s passionate about helping people control their finances and that has, to date, helped people save over $14 million dollars just by helping them do all the stuff you already wish you could do, but aren’t quite organized enough to pull off.

Normally, this kind of subscription is just $35.99 — already a pretty good deal. But with this special offer right now, you can get the Truebill Subscription & Budget Manager Premium Subscription for 44% off, or just $19.99. Here’s some financial advice for free: that’s the kind of deal you should jump on.