Budgeting suggestions?

[disdreamin]

I tried searching and all the posts I could find were well over a year old, so I thought I'd chance asking for suggestions.

Do any of you have budgeting software you like? I'm not sure my SO will be on board with a formal budget, but I feel like I need a way of seeing where our spend goes each month, even if it's a post-mortem lol. I'm looking into YNAB and Mint, but I'm not yet sold on either but I'm leaning YNAB for the month-long free trial since that would give me a few weeks to see if it'll work for our situation.

[tcbofade]

I'm too low tech for those, and just use a Word document as a budget... it's imperfect, but it works!

[disdreamin]

Yeah, I could do that or a spread sheet but holy heck it feels like a lot to track that way. I was hoping for something formatted but flexible I guess?

Just sitting down and trying to write out monthly obligations, I know I'm going to forget a bunch. So much of our monthly spend goes straight to a CC and I just do payments on those instead of pushing or pulling bank payments. I guess those will be easy to track though? Maybe I'll give it a try...

[pinkandgrey]

https://www.thebalance.com/top-budget-software-apps-1293609

Also,

https://www.investopedia.com/personal-finance/best-budgeting-software

Hopefully these links work lol

[disdreamin]

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@pinkandgrey wrote:

https://www.thebalance.com/top-budget-software-apps-1293609

Also,

https://www.investopedia.com/personal-finance/best-budgeting-software

Hopefully these links work lol

---

Thank you, the links do work! I'd actually browsed those prior to posting. I guess I'll give YNAB a try since it's shown up on every list I've perused and it's no obligation for a month. Thanks again

[summerterrace]

I use YNAB (youneedabudget.com) and I LOVE it!  It's zero based budgeting, similar to envelope type system but all electronic and I love how they handle credit cards.  The customer service and support is top notch.  They have getting started videos, boot camps, webinars and a youtube channel to teach you all about budgeting, money management, saving, using the software, etc.   You can even track your net worth if you want to.  They give a free 34 trial.  It has truly changed our finanical life.  I made my adult kids go on it.  LOL

[pinkandgrey]

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@disdreamin wrote:

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@pinkandgrey wrote:

https://www.thebalance.com/top-budget-software-apps-1293609

Also,

https://www.investopedia.com/personal-finance/best-budgeting-software

Hopefully these links work lol

---

Thank you, the links do work! I'd actually browsed those prior to posting. I guess I'll give YNAB a try since it's shown up on every list I've perused and it's no obligation for a month. Thanks again

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Oh, sorry! Well at least you already have a direction lol 

Good luck!

[summerterrace]

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@disdreamin wrote:

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@pinkandgrey wrote:

https://www.thebalance.com/top-budget-software-apps-1293609

Also,

https://www.investopedia.com/personal-finance/best-budgeting-software

Hopefully these links work lol

---

Thank you, the links do work! I'd actually browsed those prior to posting. I guess I'll give YNAB a try since it's shown up on every list I've perused and it's no obligation for a month. Thanks again

---

YNAB is worth it.  

[disdreamin]

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@summerterrace wrote:

---

@disdreamin wrote:

---

@pinkandgrey wrote:

https://www.thebalance.com/top-budget-software-apps-1293609

Also,

https://www.investopedia.com/personal-finance/best-budgeting-software

Hopefully these links work lol

---

Thank you, the links do work! I'd actually browsed those prior to posting. I guess I'll give YNAB a try since it's shown up on every list I've perused and it's no obligation for a month. Thanks again

---

YNAB is worth it.  

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I'm trying it now and I'm hating it lol. I'm sure it will be great once I get the hang of it, but I put in expenses for last month and now I realized I need to backtrack to pay for March, etc. Once I get it set up I'm sure it'll be worth it. This is painful though

[summerterrace]

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@disdreamin wrote:

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@summerterrace wrote:

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@disdreamin wrote:

---

@pinkandgrey wrote:

https://www.thebalance.com/top-budget-software-apps-1293609

Also,

https://www.investopedia.com/personal-finance/best-budgeting-software

Hopefully these links work lol

---

Thank you, the links do work! I'd actually browsed those prior to posting. I guess I'll give YNAB a try since it's shown up on every list I've perused and it's no obligation for a month. Thanks again

---

YNAB is worth it.  

---

I'm trying it now and I'm hating it lol. I'm sure it will be great once I get the hang of it, but I put in expenses for last month and now I realized I need to backtrack to pay for March, etc. Once I get it set up I'm sure it'll be worth it. This is painful though

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Do not back track.  Start from today and move forward.  They have great videos on the website that walk you through it.  Helped me a lot.  Took me two weeks to get the hang of it now I can't imagine being without it.