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My job title includes the word "Math" so I do everything by hand at work, and it looks like i'm working.
I input all my spending manually into a spreadsheet (since my last computer died, hosting this one online) and it automatically calculates how much I've spent out of my monthly budgets, what my monthly util is for my credit cards. I also enter future dated transactions (estimated income, all average bills, as well as two extra expense lines - one for estimated monthly spending and one for saving) to get a sense of my financial picture for the next several months.
If you prefer an online app, I actually liked both YNAB and Countabout, depending on which one better fits your needs/preferences. Both give you a free trial. I'm still not a fan of Mint's interface at all; Countabout is a much better version to my taste, somehow both simpler and more customizable.
I have a friend who tracks everything with old-fashioned checkbook registers. She asks me for my extras. It seems to work well for her.
I used Excel to track spending and to make a budget on when things get paid. Not very high tech but itg works.
I haven't written a check in 12 years. LOL my check score is probably 0.
I've been using this google sheet for about 2.5 years now. I copy/paste a new months worth of charges onto the bottom every month and delete items from the top as I pay them. I don't think I could be happier with anything else...
Now my DW, that's a whole nother story... she hasn't yet figured out where her money goes. (I have, it goes to Amazon in 2-10 dollar increments many times per week.)
@Anonymous wrote:I input all my spending manually into a spreadsheet (since my last computer died, hosting this one online) and it automatically calculates how much I've spent out of my monthly budgets, what my monthly util is for my credit cards. I also enter future dated transactions (estimated income, all average bills, as well as two extra expense lines - one for estimated monthly spending and one for saving) to get a sense of my financial picture for the next several months.
If you prefer an online app, I actually liked both YNAB and Countabout, depending on which one better fits your needs/preferences. Both give you a free trial. I'm still not a fan of Mint's interface at all; Countabout is a much better version to my taste, somehow both simpler and more customizable.
I have a friend who tracks everything with old-fashioned checkbook registers. She asks me for my extras. It seems to work well for her.
I have an app that is an old fashioned checkbook register, and I have every single account (cash, CC, retirement, friends/family that owes me $) set up in it. I manually log and categorize every $ earned and spent on every account on it.
It works for me because I always have my phone, and as soon as I swipe a card, I pull out my phone and log the purchase.
I follow the check register approach but it's all in Excel because 1) less paper and 2) more formulas.