I created a super simple tool in Google spreadsheets to create and maintain a budget, pay off debt, without fear of over spending. docs.google.com/spreadshe…
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πŸ‘€︎ u/Full-Read
πŸ“…︎ Feb 02
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This video is teaching how to create the 50 30 20 budget on a $35,000 a year. youtu.be/Rux7t5IeuuY
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πŸ‘€︎ u/budgetlove
πŸ“…︎ Mar 15
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Need to get into a budget and save money to start a business. Looking for something specific if available.

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 β€œTrip to Disney” or β€œConcert 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

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πŸ‘€︎ u/SarcasticOP
πŸ“…︎ Mar 12
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How to track spending from savings when planning your budget?

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?

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πŸ‘€︎ u/UserServiceable
πŸ“…︎ Mar 10
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A full room makeover on just a $50 budget. My friend made this and just want to support her so please give it a chance. youtu.be/RWQtKTjATAc
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πŸ‘€︎ u/tonithewitch
πŸ“…︎ Feb 19
🚨︎ report
11 Practical Budgeting Tips to Help You Budget Better juststartinvesting.com/ti…
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πŸ‘€︎ u/kpdouble3
πŸ“…︎ Mar 06
🚨︎ report
Looking for some help making a budget for me and my girlfriend that includes something to help with grocery (it’s what we almost always go over on)

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)

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πŸ‘€︎ u/homeyyyydfhhf
πŸ“…︎ Feb 01
🚨︎ report
Budget app parameters for an Android app

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... :(

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πŸ‘€︎ u/AceAllicorn
πŸ“…︎ Feb 17
🚨︎ report
Here's my budget.

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 ➑

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πŸ‘€︎ u/sweetcarolineisme
πŸ“…︎ Jan 28
🚨︎ report
How to Budget With an Irregular Income intentionalfortune.com/ho…
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πŸ‘€︎ u/ccorrig
πŸ“…︎ Mar 13
🚨︎ report
Need a budget for 50k gross NYC, very few expenses

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:

  • student loans
  • credit card
  • transportation

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?

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πŸ‘€︎ u/burritogong
πŸ“…︎ Mar 08
🚨︎ report
Weekly Household Budget Spreadsheet

Hey everyone,

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!

https://docs.google.com/spreadsheets/d/1n8npOfvCu_ljw_FQmpn929Mvm3S8sCyGQuSJWUpfXeU/edit#gid=516645960

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πŸ‘€︎ u/SmelltheGlove91
πŸ“…︎ Feb 24
🚨︎ report
11 Reasons Why You Need a Budget intentionalfortune.com/11…
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πŸ‘€︎ u/ccorrig
πŸ“…︎ Mar 10
🚨︎ report
Budget tracking

I'm looking for some recommendations for tracking and categorizing my monthly checking account spend?

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πŸ‘€︎ u/matta785
πŸ“…︎ Feb 10
🚨︎ report
Why can't I stick to a budget

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

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πŸ‘€︎ u/nursegillette81
πŸ“…︎ Jan 14
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Food budget for family of 4?

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?

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πŸ“…︎ Dec 30 2019
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Promised I would upload an annual budget on excel here. Here’s another way to create an annual budget! youtu.be/GCPUNcBlBRY
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πŸ‘€︎ u/Big_DumbDumb
πŸ“…︎ Feb 12
🚨︎ report
7 Hacks for Couples to Foolproof Their Budget vitaldollar.com/budgeting…
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πŸ‘€︎ u/pahurricane
πŸ“…︎ Jan 27
🚨︎ report
My financial situation has changed. Living in town now need help with a new budget.

Here's what I've got figured out budget-wise.

I make around $347.37 weekly.

My expenses:

  • Rent: $240 Monthly
  • Groceries: $100 or Less Weekly
  • Car Payment: $200 Bi-Monthly
  • Phone: $55 Monthly
  • Fuel: $30 Weekly
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πŸ‘€︎ u/FalconLord92
πŸ“…︎ Jan 06
🚨︎ report
Budget Spreadsheet

Anyone know any good excel budgeting spreadsheets for fortnightly pays? I suck at making excel spreadsheets. Currently just using word as a budget

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πŸ‘€︎ u/_tiffachu
πŸ“…︎ Dec 14 2019
🚨︎ report
If you had a $100,000,000 budget for a movie, and you had to spend all of it, how would you make it as bad as possible?
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πŸ‘€︎ u/MrMantisShrimpy
πŸ“…︎ Feb 28
🚨︎ report
I posted a budget the other day and this is my updated one. What do you think? Anything I should improve on
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πŸ‘€︎ u/mackveg
πŸ“…︎ Nov 23 2019
🚨︎ report
Does anyone feel bad when they look at their budget app?

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?

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πŸ‘€︎ u/EducationalRat
πŸ“…︎ Jan 09
🚨︎ report
I need advice on how to budget and stick with it

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

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πŸ‘€︎ u/babs1986
πŸ“…︎ Dec 22 2019
🚨︎ report
How To Not Give Up On Your Budget financiallyreviewed.com/b…
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πŸ‘€︎ u/Zlaz1
πŸ“…︎ Jan 12
🚨︎ report
Need help setting up monthly budget

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

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πŸ‘€︎ u/Blink5016
πŸ“…︎ Jan 08
🚨︎ report
Help sticking to a budget

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 β€œstuff.” 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.

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πŸ‘€︎ u/chainsaw0068
πŸ“…︎ Dec 28 2019
🚨︎ report
Personal Budget - Feedback Welcome

Hello all,

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.

https://preview.redd.it/dpsi5hc59u841.png?width=3145&format=png&auto=webp&s=657e432dc883dd08359552ca1b9608d2c0380639

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πŸ‘€︎ u/silentmike10
πŸ“…︎ Jan 04
🚨︎ report
Make your own budget

You get $550 every 2 weeks with $175 for rent and bills a month...wyd?

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πŸ‘€︎ u/360dirtracer
πŸ“…︎ Dec 28 2019
🚨︎ report
How do you budget with no fixed income?
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πŸ‘€︎ u/RobertDentist
πŸ“…︎ Dec 11 2019
🚨︎ report
IRS may not accept my $300 a month payment plan, so what’s next? Attached is my budget. Will explain more in comments :) TYIA
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πŸ‘€︎ u/internetGabby
πŸ“…︎ Nov 07 2019
🚨︎ report
Can I add my additional paycheck this month into my budget?

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.

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πŸ‘€︎ u/eyescreamqueen
πŸ“…︎ Jan 02
🚨︎ report
2020 Sinking Funds | Setting up our Sinking Funds | Sinking Fund Breakdown | Budget Basics youtube.com/watch?v=mHkdq…
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πŸ‘€︎ u/jessenav_
πŸ“…︎ Jan 14
🚨︎ report
Favorite budget app?

What's your favorite budget app and why? I love YNAB and Clarity Money but wondering what new ones are out there.

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πŸ‘€︎ u/daniella_flores
πŸ“…︎ Nov 21 2019
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How to budget on a casual income?

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.

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πŸ‘€︎ u/morcas112
πŸ“…︎ Jan 03
🚨︎ report
How do i budget?

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.

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πŸ‘€︎ u/buckybarmes
πŸ“…︎ Nov 27 2019
🚨︎ report
My monthly fixed budget is shit how do I fix my life
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πŸ‘€︎ u/mackveg
πŸ“…︎ Nov 17 2019
🚨︎ report
Afraid to budget?

Hello,

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

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πŸ‘€︎ u/Superwholock_14
πŸ“…︎ Dec 21 2019
🚨︎ report
What is the most useful budget techniques that you found both useful and applicable?
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πŸ‘€︎ u/RobertDentist
πŸ“…︎ Nov 29 2019
🚨︎ report
Budget 2020: Budget 2020 Highlights, Key Changes By Modi Govt. margcompusoft.com/m/budge…
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πŸ‘€︎ u/SoftwareGyani
πŸ“…︎ Feb 01
🚨︎ report
Our Monthly Zero-Based Budget (with real numbers & a template!) youtube.com/watch?v=h5Z4D…
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πŸ‘€︎ u/jedijulia
πŸ“…︎ Dec 22 2019
🚨︎ report
What is your clothing budget? Do you have a monthly clothing family budget?
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πŸ‘€︎ u/linguisticlybubly
πŸ“…︎ Dec 17 2019
🚨︎ report
TIL: Monty Python and the Holy Grail's $319,000 budget was bankrolled by Pink Floyd, Led Zeppelin, Genesis, Elton John, and Jethro Tull. laist.com/2018/11/28/how_…
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πŸ“°︎ r/todayilearned
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πŸ‘€︎ u/compelled2reply
πŸ“…︎ Feb 29
🚨︎ report
Lets Budget ! 2020 Cash Envelope Stuffing | Dave Ramsey Inspired Budgeting youtube.com/watch?v=jtXwI…
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πŸ‘€︎ u/jessenav_
πŸ“…︎ Jan 07
🚨︎ report
Guile low budget cosplay
πŸ‘︎ 56k
πŸ“°︎ r/pics
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πŸ‘€︎ u/AmericanBornChink
πŸ“…︎ Mar 07
🚨︎ report
Which budget software do you prefer?

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?

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πŸ“…︎ Nov 11 2019
🚨︎ report
Flagship Android Devices Lose Value Twice as Fast as iOS, Budget Android Devices Lose Half Their Value in Year One bankmycell.com/blog/cell-…
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πŸ“°︎ r/Android
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πŸ‘€︎ u/ledditiscucked
πŸ“…︎ Mar 07
🚨︎ report
Amid the outbreak of the coronavirus, the US President proposed a nearly 19 percent budget cut to the Centers for Disease Control and Preventionβ€”the agency primarily tasked with preparing for and responding to such outbreaks and other serious health threats. arstechnica.com/science/2…
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πŸ‘€︎ u/ngt_
πŸ“…︎ Feb 11
🚨︎ report
Budget Tracker using Excel: Helps me visualize expenses and keep things under control. Trying to save 60% of my monthly income
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πŸ‘€︎ u/ranjan317
πŸ“…︎ Oct 27 2019
🚨︎ report
Someone help me budget this
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πŸ“°︎ r/MurderedByWords
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πŸ‘€︎ u/beerbellybegone
πŸ“…︎ Jan 27
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Sanders Says GOP Budget Chair Won't Hold Hearing on Trump Plan Because It Would Expose President as 'Fraud That He Is' commondreams.org/news/202…
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πŸ‘€︎ u/CharyBrown
πŸ“…︎ Feb 13
🚨︎ report
Adding onto an existing budget

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?

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πŸ‘€︎ u/Limnuge
πŸ“…︎ Nov 27 2019
🚨︎ report
Making a Budget for 2020 (Input Appreciated)

Please provide me with some input/advice/improvements. Fell free to use and adapt.

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πŸ‘€︎ u/gwg576
πŸ“…︎ Dec 01 2019
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In Any Sane Country, Trump's New Budget Would Be Political Suicide | Cutting the CDC in the middle of a pandemic is not viable in a functioning republic. We do not currently have one. esquire.com/news-politics…
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πŸ‘€︎ u/dingo8yobb
πŸ“…︎ Feb 11
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How to account for credit card in budget?

I am a zero-based budgeter and like having a β€œjob” 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 senseβ€”I can try to clarify if not!

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πŸ‘€︎ u/heckin_good_kek
πŸ“…︎ Oct 20 2019
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Relationships where one is a budget-er and one is 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.

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πŸ‘€︎ u/Golieguy64
πŸ“…︎ Oct 10 2019
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Trump 2021 Budget Seeks To Eliminate Library Funding (Again) bookriot.com/2020/02/11/t…
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πŸ‘€︎ u/catagator
πŸ“…︎ Feb 11
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Trump's budget director stands by plan to cut CDC budget by 15 percent salon.com/2020/03/12/trum…
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πŸ‘€︎ u/qdude1
πŸ“…︎ Mar 13
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Treasury figures from Budget confirm there was no Β£350m a week Brexit dividend; Brexit has in fact cost every person in the UK Β£1,200 so far, spending watchdog says – as economy flat-lines independent.co.uk/news/uk…
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πŸ‘€︎ u/NoKidsItsCruel
πŸ“…︎ Mar 11
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My Budget
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πŸ‘€︎ u/PitKempo
πŸ“…︎ Sep 29 2019
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My very own budget tracker using Excel. Just plug in expenses and you can see a detailed analysis of your spending. It's open source, feel free to download or make a copy or whatever. All months are color coded for convenience. docs.google.com/spreadshe…
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πŸ‘€︎ u/ranjan317
πŸ“…︎ Oct 27 2019
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How to budget on an exchange abroad

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:)

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πŸ‘€︎ u/whatIamIdoinghere
πŸ“…︎ Nov 23 2019
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'The Invisible Man' (2020) has currently grossed $108M against a $7M budget boxofficemojo.com/release…
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πŸ‘€︎ u/PaulaBakerBush86
πŸ“…︎ Mar 14
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12% boost for NASA budget in 2021!! wsj.com/articles/trumps-n…
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πŸ‘€︎ u/thisischrisbaker
πŸ“…︎ Feb 07
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The Fed just injected $1.5 Trillion dollars into the banking system (the equivalent of two U.S. defense budgets). Unlike 2008, the American public wasn’t even given the opportunity to call their senators to oppose this theft. How is this even tolerable?

Hey millennials, think your prospects are bad now? Just wait until you are soon paying $10 for a candy bar.

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πŸ‘€︎ u/archivefile
πŸ“…︎ Mar 14
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Trump Budget to Propose 'Savage' Cuts to Medicare, Medicaid, and Social Security While Hiking Pentagon and Wall Funds; "This budget is Trump's pledge that as long as he stays in office, slashing Social Security, Medicaid, and whatever's left of SNAP will remain a White House priority." commondreams.org/news/202…
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πŸ“…︎ Feb 10
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Trump administration isn't backing off proposed cuts to CDC budget msnbc.com/rachel-maddow-s…
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πŸ‘€︎ u/fyhr100
πŸ“…︎ Mar 11
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Treasury figures from Budget confirm there was no Β£350m a week Brexit dividend - Brexit has in fact cost every person in the UK Β£1,200 so far, spending watchdog says – as economy flat-lines independent.co.uk/news/uk…
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πŸ‘€︎ u/ByGollie
πŸ“…︎ Mar 11
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Not exactly budget related, but wanted some input: to gift or not to gift?

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?

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πŸ‘€︎ u/littlesmama12
πŸ“…︎ Oct 07 2019
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Need help creating a budget and getting debt under control.

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
Phone (Verizon) - - $143.95 6th
Car Loan 4.89% $9,993.11 $190.66 15th
Car Insurance - $176.00 29th
Rent - - $1,300 1st
Apple Music - - $4.99 22nd
... keep reading on reddit ➑

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πŸ‘€︎ u/E7793514
πŸ“…︎ Oct 05 2019
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Christopher Nolan's Tenet Budget Is More Than $200 Million collider.com/christopher-…
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πŸ‘€︎ u/Sisiwakanamaru
πŸ“…︎ Jan 10
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Daily Megathread - Budget Edition (11/03/2020)

MOOD MUSIC | TODAY'S PAPERS | THIS WEEK IN PARLIAMENT | GOVERNMENT CORONAVIRUS INFO & ADVICE | CORONAVIRUS STATS


##Budget 2020

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.


Coronavirus

**We ask that - fo

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πŸ‘€︎ u/ukpolbot
πŸ“…︎ Mar 11
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Budget AMD pc - ryzen 5 3600 & Rx 590 Fatboy
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πŸ‘€︎ u/99asians
πŸ“…︎ Mar 15
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AITA For Yelling at My Husband and Leaving After I Found His β€œSecret” Budget?

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 β€œBudget 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 β€œRent” like he’d be

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πŸ‘€︎ u/budgetfight
πŸ“…︎ Feb 13
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Just finished building my new PC, the RTX 2060 is a great card for any budget PC of around $1000
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πŸ‘€︎ u/Shadackle8
πŸ“…︎ Mar 13
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Master League Budget Picks - The time has come
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πŸ‘€︎ u/RyanoftheDay
πŸ“…︎ Feb 24
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Zero-based budget giving me anxiety!

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 ➑

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πŸ‘€︎ u/BriLyGan
πŸ“…︎ Sep 27 2019
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Do you budget by check, month, year?

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.

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πŸ‘€︎ u/smcseq
πŸ“…︎ Sep 09 2019
🚨︎ report
Monthly budget. Looking for suggestions and improvements.

I recently just started a full-time job in May 2019 after graduating college. Here are my numbers.

  1. Monthly Income: $3800
  2. Monthly Rent: $595
  3. Monthly Utilities+Internet: $80
  4. Monthly Groceries: $100
  5. Monthly Eat Out: $225
  6. Monthly Entertainment: $100
  7. Monthly Investment (Stocks/ETFs contributions): $1000

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?

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πŸ‘€︎ u/Newyorkntilikina
πŸ“…︎ Aug 29 2019
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As deficits soar, Trump asks, 'Who the hell cares about the budget?' msnbc.com/rachel-maddow-s…
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πŸ‘€︎ u/Mamacrass
πŸ“…︎ Jan 20
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This is a guys budget for a single unmarried person to have a β€œgood quality of life”. I can’t imagine being this out of touch.
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πŸ‘€︎ u/subaw0067
πŸ“…︎ Jul 24 2019
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Joe Biden bragged that he repeatedly tried to cut Social Security, Medicare, Medicaid, and veterans benefits, in the name of "balancing the budget," saying "you've got to put all of it on the table" v.redd.it/hf06xheiuvm41
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πŸ‘€︎ u/lrlOurPresident
πŸ“…︎ Mar 15
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Ballin' on a budget.
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πŸ‘€︎ u/Jeffrey_Strange
πŸ“…︎ Mar 01
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Globe editorial: If Alberta taxed like other provinces, it would have a huge budget surplus theglobeandmail.com/amp/o…
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πŸ‘€︎ u/_Minor_Annoyance
πŸ“…︎ Mar 05
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I lost 20 pounds and cut my grocery budget in half using plastic mail prep containers

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.

  1. My containers have 3 slots, one big area and two small sides. The small sides need to be filled with veggies. Raw or cooked. If my main course is light or all protein, I'll throw a carb side in one slot.
  2. My big spot needs to have a reasonable portion. My rough goal is 400-500 calories. That's usually something like two slices of pizza, a single hamburger, a big omelet..
... keep reading on reddit ➑

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πŸ‘€︎ u/Burninator85
πŸ“…︎ Mar 12
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Trump administration isn't backing off proposed cuts to CDC budget msnbc.com/rachel-maddow-s…
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πŸ‘€︎ u/Kunphen
πŸ“…︎ Mar 15
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State of NASA address reveals agency set for $25 billion budget boost, bringing manned lunar and Mars missions a step closer to reality - β€œWe soon will launch American astronauts on American rockets from American soil for the first time in nearly a decade." inverse.com/science/nasa-…
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πŸ‘€︎ u/Evan2895
πŸ“…︎ Feb 10
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If I budget on 2 checks a month and I have a 3 check month, is the 3rd check true savings?

I notice my balance will dip lower the next month at the beginning.

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πŸ‘€︎ u/Lord_Baltimore1
πŸ“…︎ Sep 11 2019
🚨︎ report
34p for an extra large loaf going out of date on Friday? Yes please - it's Monday morning and that's breakfast and lunch and still plenty left and still soft and fresh (bargain reduced avocado for scale). Low budget eating can be good eating.
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πŸ“°︎ r/povertyfinance
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πŸ‘€︎ u/BitchLibrarian
πŸ“…︎ Mar 09
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Club application? Denied. Unique project? Budget cuts. Field trip? No mixed bath. Saw panties by accident? Seppuku.
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πŸ‘€︎ u/Gaioa
πŸ“…︎ Mar 15
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