So I’m looking to put some money back to start a business and purchase some equipment. I want to enable auto-pay on all of my bills and only have to use my money to get groceries, gas, and other requirements, so I figured here would be a good place to starts.
What I’m looking for is essentially a one and done type thing where I can input my weekly income, my wife’s bi-weekly income, my bills and their due date, and have it tell me what to pay on each payday until I get to where I feel comfortable for auto-pay and then at that point my budget just tells me what is coming out. If possible, I’d also like it to tell me what I have to put back and hold onto for the next week in the event that a big bill is coming up. Finally, if I could have something that we could insert “Trip to Disney” or “Concert Tickets” that would offer a short term adjustment in the budget to help allocate funds temporarily to make sure we can safely afford family trips and activities.
I’d like something in excel t... keep reading on reddit ➡
I have a budget for this year with income and expenses. This year I will spend more than I make. To cover those extra expenses, I'll need to take money from savings. How is that tracked in a traditional budget since the money from savings isn't income?
We have a lot of bills and I’m trying to really crack down and save and we need something to plug in our incomes and forces us to save for needs and wants open to any help. Thank you so much! (ISO apps programs calendar reminder apps etc)
I'm looking for a very simple envelope-style budget app for Android with just a couple of specific traits.
Most of the apps I am finding either are too complicated and try to do everything for me or they don't have the recurring addition feature, which is the main one I need.
I really just need a couple of things: *Manual creation of envelopes, not auto-generated *Can set up to auto-add to envelopes (i.e. add $10 on the 12th of each month) *Can still add additional one-time amounts if needed
*Doesn't connect to bank accounts *Doesn't try (and fail) to auto-track my purchase categories *Doesn't have a million more stupid features *Preferably not subscription. I'm fine with a one-time fee if the app earns it.
I have tried: *Mint *You Need A Budget *Need Wallet *Everydollar *Simplebudget *Just Envelopes *Real Budget *Good Budget
The information overload is a real problem with a lot of these... :(
I'm 17 and work part-time. I want to see what you guys think of my budget.
This coming paycheck will be about $80 larger than normal because I worked more this last week. Also, to note, I get paid weekly so my budget is weekly. The start of this month was when I started trying getting my finances together. It's been really hard but I think I'm doing okay.
This week I'm also adding in some more sinking funds - haircut, eyebrows, college and christmas.
This month, also, I started using this app called Digit. Aside from my cat's supplies, my grocery and toiletry money (they have actual envelopes) I've been putting all my money in the app so I can earn the 3 month interest. It's also more convenient than a savings account because there's all the separate goals and the money doesn't get mixed together.
On one more note, once I turn 18 in April my manager has told me that she's going to give me some more hours. So combined with that and planning on starting to do Instacart when I'm 1... keep reading on reddit ➡
I'm starting a new job this week in nyc. I'll be living with family and paying no rent or bills except transportation.
My monthly costs are:
I have 10k in investment I want to bulk up, take advantage of my company's 401k match, and build my own personal savings of which I currently have nothing.
As for unnecessary expenses: I want to put $150/month towards language courses, to do some self care (therapy, skincare products), and create a travel fund (as I want to move counties in a few years)
What percentages should I put forward for these?
A while back, I created a weekly budget spreadsheet for myself. I found that the monthly ones didn't really meet my needs and I always felt like my budget wasn't amazingly accurate.
With permission from the mods, I'm making this available to all of you! Feel free to download and use this for yourself! Just make sure you click "File" and "Make a Copy" for yourself so you can edit the spreadsheet. It's not pretty, but it works for me. It has really helped me begin to get out of debt and save for emergencies. Hopefully it helps you and your family!
I'm looking for some recommendations for tracking and categorizing my monthly checking account spend?
I am 38 years old and have yet to figure out how to manage money. I make 75 K plus bonuses (approx 5 k a year) and my primary job and I have a part time job (for reasons other than financial) that I make another 6000 a year. 86000 a year and I have no savings. I feel like I should be further along in life than this.
My monthly bills are less than one paycheck. I have no idea where the money goes but I cant seem to make myself keep up with it because life is so busy.
I want and need to make budgeting a priority but I'm not sure how.
Any advice would be appreciated
My wife and I have two boys (4 and 2), an adult black lab, and a cat.
Without telling you what we spend on groceries and restaurants per month, I want to know what most of you spend.
What’s normal food spending for a family of 4 in an American city?
I make around $347.37 weekly.
Anyone know any good excel budgeting spreadsheets for fortnightly pays? I suck at making excel spreadsheets. Currently just using word as a budget
Over 5 years of transactions on my budget app and I'm feeling bad about spending thousands on clothes, thousands on food and tons on traveling even though I've saved 50%, do you also feel like that when looking at all your transactions reports? Do you advise me to start my budget again as a new decade?
I used to think I was good at keep my fiances in order but lately I've been barely skimming by.
For background I work usually 33- 40 hours a week most of my check are $500-700 I try to keep it at 40 hours if I can. I'm also a full time student online classes right now so not a lot of free time outside of work.
My SO who lives and works with me check are a lot smaller atm usually making max of $500 because he misses 3 days a week for because he is also in college but he goes to university he doesn't have a day off he works 10-7 or 12-9 normally and his classes he leaves the house at 7am and doesn't get home till 6pm so now free time there.
We recently had a string of bad luck I just spent $300 on new tires and inspection/tags for our car and a week later the car broke down and $12,000 was the cheapest quote we got to fix it the car isn't worth 250 so we got a new car and the car note is 475.75 plus 250 insurance and that's fine an adjustment but fine but than just a final fuck you fr... keep reading on reddit ➡
The landscape company I work for doesn't work during the cold seasons, so that's about 6 months of no income, and the 6 months that I do work I make around $9,000 My budget is extremely tight with no real way to The landscape company I work for doesn't work during the cold seasons, so that's about 6 months of no income, and the 6 months that I do work I make around $9,000 My budget is extremely tight with no real way to save any money. Do I just go out and get another job at this point or is there something I can do to help out during the colder seasons? ps: Also If I do get a second job for the winter how will that work? I cant see a company allowing someone to be hired for only 6 months a year. actually save any money. Do I just go out and get another job at this point or is there something I can do to help out during the colder seasons?
ps: Also If I do get a second job for the winter how will that work? I cant see a company allowing someone to be hired for only 6 months a yea
So I’ve made a budget (YNAB) and I’ve finally figured out how to use the software. My problem now is actually sticking to the budget. I’m an impulse shopper. I try to get in and get out of stores. That way I’m not tempted. My problem is that I’m constantly buying “stuff.” Wether it be coffee at the drive thru or ordering off of Amazon. Part of me believes that I just need to be more disciplined. If that’s the case, what tips and tricks can anyone suggest. Would really like to grow my savings.
My SO and I have begun to plan our finances. We are both graduating college in May, and are trying to be proactive with financial responsibility. For background, we will be living in Chicago (living together but splitting rent based on income). My SO is going to be in a residency program, so after two years, Person B's salary will double. I do not receive 401k match until year 2 of employment, so I am planning to focus on debt repayment for the first year.
Any feedback about the budget is greatly appreciated. Happy New Year to all.
You get $550 every 2 weeks with $175 for rent and bills a month...wyd?
So, I happen to get paid this month 3 times instead of the normal 2. Is it okay to adjust my budget to reflect the additional paycheck? Seems too good to be true but want to be sure. I use Mint for my budgeting if that helps.
What's your favorite budget app and why? I love YNAB and Clarity Money but wondering what new ones are out there.
Hi! I’m 20, a full time uni student looking to move in with my partner into a share house. I work casual retail, where my hours can fluctuate heaps week by week depending on if there is work for me. For example, if someone goes on holidays I’ll have their shifts for 6 weeks but then possibly very little work the following weeks. Because of this, I find it really hard to budget because my roster is only 4 weeks in advance and I never know when I’m gonna get hit with not having enough work. How can I make and stick to a budget and still feel secure working casual? Part time work is really difficult to find in my area.
My main expenses will be rent, bills, and petrol. I’d also like to build up some emergency savings. I really don’t know where to start! Is it possible? TIA.
I’m 21 years old and in college. I’m trying to move out soon and i don’t really know how to budget. I’ve been lucky in the aspect where i don’t have to work full time (only part-time) because i live at home and still get money from doing chores. But this hasn’t been very helpful in preparing me for adulthood. I’ll be moving in with two other people who get paid $15/hr and i think $18-$20/hr, while i only make $9.20/hr with often under 20 hours a week, which i’m trying to change, and am trying to find a job that pays more. I would really appreciate some advice.
Newcomer to the budgeting world. I graduated college in August 2018 with my Bachelors in nursing degree and have been working as a Neonatal ICU nurse since October 2018. So just over a year of experience. I make pretty decent money but it varies a lot. Without overtime I make about $2800/month, with max overtime (without wanting to die) I can make a little over $5000/month post-tax. I have a roommate but I still pay between $850 (in the winter) and $950ish in the summer for rent and utilities. Then I have my phone bill, Spotify, student loan payments, car payments, and car insurance. I’m terrified to set up a budget. I feel like I’m in the negatives just with my bills (with no overtime) and as much as I need the overtime, I hate working it because I have moderate to severe anxiety and depression (and would like to budget in therapy) and really need my down time. I work 12-14 hour night shifts and my job is very mentally, emotionally, physically draining as we are always short... keep reading on reddit ➡
My wife and I have used Dave Ramsey’s cash envelopes (cash flow became complicated not having all money up front to start the month), YNAB (lots of reasons), Mint (can’t track cents and difficult to budget to the penny), Excel Spreadsheets (lots of manual input required), Quicken (frequent connection problems), DR’s Every Dollar (doesn’t work with Amex), and none of them really get the job done (reasons in parentheses).
Is there a software or method you use that you love?
It’s probably time I recalculate my budget to make sure I’m handling my finances in the best way.
I want to add a gym membership in, for those of you that added a monthly subscription to your budget, how did you put it in?
Please provide me with some input/advice/improvements. Fell free to use and adapt.
I am a zero-based budgeter and like having a “job” for every dollar. However, when setting up my monthly budget, I get a little confused trying to account for my credit card bill.
I use my credit card like a debit card so I never spend more than I have; however, I use it for almost all of my expenses for rewards purposes.
The problem is, its bill cycle is on the 9th of every month rather than say the 31st, which makes monthly budgeting difficult. I am paying for my September budget on October 8th.
It’s confusing to me because when a new month starts, my food budget will start over, and I will begin spending my October food budget, yet have to pay a large bill for all of my purchases in September. It’s kind of hard to keep track. I’m wondering if I should shift to a bill cycle where my bill is due the 31st of every month?
Hope this makes sense—I can try to clarify if not!
Anyone else in this situation?? How do you have conversations with your wife/husband without it turning into fighting! I need some good strategies to help get on the same page.
Hi, I am in the Netherlands for Erasmus program and I am trying to enjoy my time but I also need to spend less money. For some reason (me being not responsible) my money just disappear all the time real fast. Most of my money go to food. I tried to write down my spendings but it really is hard to write down everything you get... I guess I just need motivation and help on how to actually write the spendings down and how to cut down my spending.
Thank you for your answers:)
Hey millennials, think your prospects are bad now? Just wait until you are soon paying $10 for a candy bar.
So, my cousin is getting married this winter and we were invited. I'm not super close to my cousin and it's multiple states away so we won't be going. My question is about gifts. I've always felt you should give the couple a gift whether or not you can attend the wedding. It makes perfect sense to me, two young people just starting out are going to need stuff, right? Well my cousin and her fiance are in their early 30s, have good jobs, and have already established a home together.
My husband and I are in our early 20s, he's a construction worker and I'm a stay at home mom to our two kids. We're doing fine financially, supporting ourselves fine but we can't afford any of the fancy things on their registry. I want to tuck a $20 into a card just etiquette wise, I feel weird not doing something, but is it more or less tacky to give such a "small" amount of money (by their standard of living) than just RSVPing "no" and leaving it at that?
22M, new to Seattle area, no family or friends (long story, but, I moved here with my partner and he left me 2 weeks after we got here oops). Looking to get my debt under control and prepare for anything that may come up, but I cant even figure out where to start. I feel like i am barely staying afloat, and honestly most months I end up falling behind on one or two payments and have to pay that bill as soon as I get my paycheck, and i feel like i am stuck in that cycle and want to get out. I've tried apps like Mint but i still don't feel like they're helping me actually get any control. Any ideas or suggestions would be greatly appreciated.
Below is a list of total obligations including minimum payments, due dates, and interest rates/APR.
|Name||Interest Rate / APR||Total Balance||Minimum Payment||Due Date|
Today is Budget Day! Rishi Sunak will deliver the Budget to the House of Commons at around 12:30 GMT, directly after Prime Minister's Questions (PMQs). It is widely expected that the Budget will promise to raise infrastructure spending to its highest in decades, and will pledge to triple the average net investment made over the last 40 years into rail and road, housing, broadband and research.
**We ask that - fo... keep reading on reddit ➡
My [25F] husband [23M] handles the finances in our household pretty much 100%, he keeps the budget on a Google spreadsheet. He makes a sheet each month and fills it out as the month goes on. I have access to it as well but I rarely care to look at it, he keeps everything running smoothly.
For whatever reason yesterday I decided to log in and check it out. Everything looks fine. Income marked in one table, expenses in another, checkboxes to see which bills have been paid, simple formulas to detect if we’re in the red etc. Nothing too complicated, just something to predict our expenses and keep us on track. Cool.
But I looked down below and saw one sheet at the end, called “Budget Single”. Never saw that before so I clicked on it and omg. It’s basically the same thing except my income is cut out. The predictions for our joint expenses (insurance, food etc.) are lowered. My money for clothes, spending etc. isn’t listed. There’s even another row for income called “Rent” like he’d be... keep reading on reddit ➡
I'm trying out a zero-based budget. I cash-flowed 2 vacations this month, so I knew things would be a little rocky towards the end of the month.
Everything for September and October is either paid or set-aside. Savings are how I want them this month, with the vacations and everything. And I currently have $120 sitting in my checking account.
I get paid from my FT job on Tuesday and my PT job on Thursday. Like I said, bills are paid.. gas tank is full.. I've got food in the fridge. There is literally no reason for me to be stressed about this...yet here I am, thinking I need more money in my checking account. Come Tuesday when the direct deposit hits, I will take whatever is left in checking and put half to debt and half to savings.
Any tips on how to get out of that mindset? I'm brand new to budgeting. I'm miles and miles and miles better financially from where I started, even the beginning of this year, but I cannot seem to shake this "I need 350 in my checking acct at all time... keep reading on reddit ➡
I was watching The Financial Diet on YouTube and one of the host mentioned to budget out for the year. It looks nice but it’s started to get confusing. Just wanted to know how others do it.
I recently just started a full-time job in May 2019 after graduating college. Here are my numbers.
As always, there are unexpected things that come up. However I keep a tracker of everything I spend and I average out $1500/month on spending. Another $1000 goes towards my brokerage account for investing. My gf helps me out with groceries so that's why I only spend about $100/month on it.
How am I doing financially for a 23 year old? Unfortunately, when you add up the numbers, I'm really only left with like ~$1500 that stays in my actual bank account. What can I improve on?
Simple food trick I'm using that might help others. I don't necessarily cook unhealthy foods, but definitely have a problem with portion control. I've been doing this for two months now with great success.
I cook normally, but when I plate, I portion everything into my meal prep containers. I don't leave anything in the pan or family style serving. Every container is one meal, no secondsies. It all goes in the fridge and I'll eat it for lunch or dinner within a few days. That's pretty much it.
Now, I do keep myself some other rules, but nothing is absolute besides the "one container per meal" rule.
I notice my balance will dip lower the next month at the beginning.