Are you budgeting? What tool are you using?

[8Habits]

Hi guys,

I was very active in this forum 2 years ago and now I'm back
So excited about how the forum is now and looking forward to meeting old and new faces here.

I stopped with crypto 2 years ago when I was offered a good job outside crypto and is doing well until the pandemic (SAD)

Since finance is not that great, I am now doing a budget. So that every money I have is spent wisely.

To those who are already budgeting, may I know what tool are you using?

Currently, I am on the free trial of YNAB but I am also using AspireBudget free google spreadsheet.

I am confused between the two.

I love the interface of YNAB and I am comfortable paying its yearly fee but on the other hand, I am thinking of using that fee for some of my other budgets, hence, aspirebudget would be ideal.

Please help me decide and if you also have other recommendations, please let me know. IMPORTANT: I want zero-based budgeting as I find it works for me.

Thank you so much guys and more power!

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[boyptc]

Welcome back to the forum.

Usually, I just have my own written list for budgeting. The usual and old style. But you can search for apps online aside from ynab because there is a lot of them.

--> https://www.thebalance.com/best-budgeting-apps-4159414

--> https://www.nerdwallet.com/blog/finance/budgeting-saving-tools/

[bitterguy28]

Good to see you back Mate ,and welcome again in Bitcointalk.


Having a Family of our Own is really a budget requiring living , And this why i thanks mY wife alot.

We have no Sheet to Follow because I am a solo provider , But we constantly talk about the flow of the funds , i let her Handle all the expenses daily for household things and i am the one for everything outside ,Like Bills and groceries ,and the Material needs of all.

I will provide groceries  that will be budgeted for 3 days ,and My Wife will make it happen.

Sometimes belt needs tighten but we are surviving ,So i believe that Ledger/sheets not needed if you know how to manage your needs ,and only the priority will be funded ..

[Mauser]

Welcome back buddy.

Yeah I am budgeting for a while now. The corona pandemic are very difficult times and living on a budget helps me do save some money. I don't use any specific software, just an excel sheet. It's an easy way to keep track of my expenses without much work.

[8Habits]

Hi boyptc, how are you?
We've been in 777coin signature campaign way back then

Thanks for the resources. I will be checking Walley in the resource you provided.
At the moment, I have heavily invested with YNAB and AspireBudget but if Walley can do with my needs, that would be perfect.

Good to see you again!

Welcome back to the forum.

Usually, I just have my own written list for budgeting. The usual and old style. But you can search for apps online aside from ynab because there is a lot of them.

--> https://www.thebalance.com/best-budgeting-apps-4159414

--> https://www.nerdwallet.com/blog/finance/budgeting-saving-tools/

[8Habits]

Thank you for the warm welcome

Yes, we need to get into budgeting when we have a family of our own - I got 2 boys and 1 is coming comes August.
Good that you are helping each other hand in hand with your wife.

Happy New Year!

Good to see you back Mate ,and welcome again in Bitcointalk.


Having a Family of our Own is really a budget requiring living , And this why i thanks mY wife alot.

We have no Sheet to Follow because I am a solo provider , But we constantly talk about the flow of the funds , i let her Handle all the expenses daily for household things and i am the one for everything outside ,Like Bills and groceries ,and the Material needs of all.

I will provide groceries  that will be budgeted for 3 days ,and My Wife will make it happen.

Sometimes belt needs tighten but we are surviving ,So i believe that Ledger/sheets not needed if you know how to manage your needs ,and only the priority will be funded ..

[8Habits]

Welcome back buddy.

Yeah I am budgeting for a while now. The corona pandemic are very difficult times and living on a budget helps me do save some money. I don't use any specific software, just an excel sheet. It's an easy way to keep track of my expenses without much work.

It is really important to do a budget, especially in these trying times. It would be very irresponsible to just spend your hard-earned money on things that are not important and especially if you have a family of your own already.

[peter0425]

Hi guys,

Hey Habits,

Its been years that i haven't see you around the forum,you leave  Without saying Goodbye( shedding tears)  

~~~~~~~~~~~~~~~~~~~
Good to see you back and Hope you'll stay again .

And also Apply to 777coin again,now there is no issue in delay payment every week,because the payment is being made every month  and i know you are use to that LOL and last time more than a month .

>>>>>>>>>>>>>>><<<<<<<<<<<
@boyptc has already shared the link in which might help you with this, But the Basic Rule In Budgeting is never Look about how much the Incoming funds ,Instead Spend only 70% of it and the remaining 30% will be allocate for the Future of the Children and your retirement. and do this at any cause .If you and wifey survive that set up for 5 years ,then your Family will be safer forever .

[8Habits]

Hey peter0425,

How are you? Yeah, it's been 2 years or more already..hehe
Yeah, I will try to apply again but I am not sure if there is a vacant for Sr. Member at the moment.

Thanks for your advice on budgeting.

let's message anytime.

Hi guys,

Hey Habits,

Its been years that i haven't see you around the forum,you leave  Without saying Goodbye( shedding tears)  

~~~~~~~~~~~~~~~~~~~
Good to see you back and Hope you'll stay again .

And also Apply to 777coin again,now there is no issue in delay payment every week,because the payment is being made every month  and i know you are use to that LOL and last time more than a month .

>>>>>>>>>>>>>>><<<<<<<<<<<
@boyptc has already shared the link in which might help you with this, But the Basic Rule In Budgeting is never Look about how much the Incoming funds ,Instead Spend only 70% of it and the remaining 30% will be allocate for the Future of the Children and your retirement. and do this at any cause .If you and wifey survive that set up for 5 years ,then your Family will be safer forever .

[boyptc]

Hi boyptc, how are you?
We've been in 777coin signature campaign way back then

Thanks for the resources. I will be checking Walley in the resource you provided.
At the moment, I have heavily invested with YNAB and AspireBudget but if Walley can do with my needs, that would be perfect.

Good to see you again!

Welcome back to the forum.

Usually, I just have my own written list for budgeting. The usual and old style. But you can search for apps online aside from ynab because there is a lot of them.

--> https://www.thebalance.com/best-budgeting-apps-4159414

--> https://www.nerdwallet.com/blog/finance/budgeting-saving-tools/

Hi, I'm good. I remember you. 

It's good to see you too and hope you can comeback with the campaign again.

I hope that with those suggested apps on those links will give you a better experience and fits what you look for.

[OgNasty]

Mint.com is a good budgeting tool.

[acener]

I do it manually I don't use any tools to do it,
I make plans and divide all my salary on a piece of paper and try to go along with it.
Of course there are times when I would be force to overspend my money because of some emergencies.

[Poker Player]

I do it manually I don't use any tools to do it,
I make plans and divide all my salary on a piece of paper and try to go along with it.
Of course there are times when I would be force to overspend my money because of some emergencies.

Similarly, I do budget but I'm not a freak. I just use an excel to keep record of my expenses so I can plan properly. When I started budgeting I kept record of all my expenses but now I know more or less what I spend. I only revise and write down expenses on certain categories if my spending habits change or when I believe prices have gone up more than 10% in that category, as I always budget a 10% extra of what I usually spend.

OP, you say you are budgeting because your personal finance is not that good but you would be surprised about how many people keep budgeting even after year of being in a comfortable position.

[8Habits]

Thank you OgNasty, zero budgeting seems to be the one that is working for me.

Mint.com is a good budgeting tool.

[8Habits]

Thank you. I tried doing that for the past few years and every end of the month, I'm just wondering where my money goes
That is why really looking for dedicated software to help me out to plan my budgeting and get through the paycheck to paycheck

I do it manually I don't use any tools to do it,
I make plans and divide all my salary on a piece of paper and try to go along with it.
Of course there are times when I would be force to overspend my money because of some emergencies.

[8Habits]

Make sense.
yeah, in the past, I was just tracking my expenses and it was kind of reactive rather than proactive.
This time, I want to plan ahead my expenses through budgeting.

I do it manually I don't use any tools to do it,
I make plans and divide all my salary on a piece of paper and try to go along with it.
Of course there are times when I would be force to overspend my money because of some emergencies.

Similarly, I do budget but I'm not a freak. I just use an excel to keep record of my expenses so I can plan properly. When I started budgeting I kept record of all my expenses but now I know more or less what I spend. I only revise and write down expenses on certain categories if my spending habits change or when I believe prices have gone up more than 10% in that category, as I always budget a 10% extra of what I usually spend.

OP, you say you are budgeting because your personal finance is not that good but you would be surprised about how many people keep budgeting even after year of being in a comfortable position.

[bitterguy28]

Thank you for the warm welcome

Yes, we need to get into budgeting when we have a family of our own - I got 2 boys and 1 is coming comes August.
Good that you are helping each other hand in hand with your wife.

Happy New Year!

I pleasure to welcome you back ,And to share my real life strategy.

Mint.com is a good budgeting tool.

Will try looking into this , Maybe at some point having a tool will make more rooms for my funds