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Started By
Message
Budget app
Posted on 1/1/25 at 7:35 pm
Posted on 1/1/25 at 7:35 pm
I’ve been researching budget apps for my family.
My main desire is to have one that links your bank acct where purchases are auto entered.. specifically debit card transactions.
I would like to see how much one card is used than the other.
Search function came up empty! Thanks!
My main desire is to have one that links your bank acct where purchases are auto entered.. specifically debit card transactions.
I would like to see how much one card is used than the other.
Search function came up empty! Thanks!
4
Posted on 1/1/25 at 9:36 pm to Fearless_and_True
Used Monarch most of 2024 and liked it alot. running 50% off promotion right now for a year.
It does have a lot of advanced features, so if you dont care about that, you might get away with a free version though like Empower personal dashboard. I think it tracks expenses automatically. Free version of other apps tend to make you enter in things manually rather than connect automatically like everydollar. Honeydue tracks for free I believe.
It does have a lot of advanced features, so if you dont care about that, you might get away with a free version though like Empower personal dashboard. I think it tracks expenses automatically. Free version of other apps tend to make you enter in things manually rather than connect automatically like everydollar. Honeydue tracks for free I believe.
This post was edited on 1/1/25 at 9:37 pm
Posted on 1/2/25 at 6:15 am to Fearless_and_True
Might I suggest getting away from debit cards? It's a risky way of spending.
American Express offers the feature you're looking for directly in app, updated real time when transactions clear. It shows a pie chart with the breakdown per person, total aggregation for the entire spend cycle, and allows you to drill down into the list of transactions per person.
American Express offers the feature you're looking for directly in app, updated real time when transactions clear. It shows a pie chart with the breakdown per person, total aggregation for the entire spend cycle, and allows you to drill down into the list of transactions per person.
Posted on 1/2/25 at 7:22 am to Fearless_and_True
Really liked YNAB. Used it this past year. Very easy to keep up with everything and the app is easy to navigate
Posted on 1/2/25 at 3:00 pm to thegreatboudini
quote:
Might I suggest getting away from debit cards? It's a risky way of spending.
American Express offers the feature you're looking for
For my information, how is debit cards risky?
I would think credit cards would be riskier. Although you get percentage back with purchases, a lot of individuals don’t pay it off at the end of the monthly cycle and get a fee.
Posted on 1/2/25 at 3:07 pm to Fearless_and_True
quote:
For my information, how is debit cards risky?
Fraud protection is the #1 reason. Think of it this way: Your debit card pulls directly from your bank account. If someone gets access to your card, money will be taken out of your bank account and will take time to get that money back. Until then, you're shite outta luck.
In the case of a credit card, your credit card company is taking on that risk for you.
Just get a credit card and pay it off every week or two like a normal, responsible person.
As for budget apps, I use Monarch. I use it less for budgeting and more for tracking a large number of accounts in on eplace, but it works well for budgeting too.
Posted on 1/2/25 at 6:16 pm to BottomlandBrew
I’ve been using Piere mainly bc it’s free. It does pretty much all I need
Posted on 1/2/25 at 6:57 pm to Fearless_and_True
Thank you for starting this thread.
I can see this for businesses as well as personal.
I can see this for businesses as well as personal.
Posted on 1/3/25 at 7:22 am to Fearless_and_True
quote:
For my information, how is debit cards risky?
Bottomland answered the reasons in his response.
Credit cards aren't bad unless you're irresponsible. Treat it like a debit card, just use it for what you need, get the rewards, pay it off every month, and know that you're protected.
In 2024 I had to dispute 2 charges on my credit card. Charges that were not fraudulent in nature, but that I paid for and never received the product/service for.
Filed a dispute, answered a series of questions, got my money back, and let American Express deal with the company.
You could never do that with a debit card.
This post was edited on 1/3/25 at 7:23 am
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