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help with monthly budget
Posted on 6/11/18 at 9:37 am
Posted on 6/11/18 at 9:37 am
is there any program/software you guys use to calculate a monthly budget? any suggestions for putting together a budget?
Posted on 6/11/18 at 9:40 am to specchaser
Just use Excel. List all of your fixed costs and try your best to estimate your variable cost per month. Then subtract that from your monthly take home after taxes.
Posted on 6/11/18 at 9:41 am to specchaser
Also, I like Personal Capital for visualizing your income/spending/savings/investments.
Posted on 6/11/18 at 9:42 am to specchaser
I use mint.com
You have to give them a lot of your usernames and passwords and it will auto compile all of your transactions
Cash transactions are manual if you even want to add them.
I’ve been using mint for 8 or 9 years
You have to give them a lot of your usernames and passwords and it will auto compile all of your transactions
Cash transactions are manual if you even want to add them.
I’ve been using mint for 8 or 9 years
Posted on 6/11/18 at 10:45 am to specchaser
Mint.com is pretty basic, but brings all of your accounts together and builds a history. You can set budgets and have it send reminders and regular reports.
If you need something more sophisticated, YNAB is very popular.
If you need something more sophisticated, YNAB is very popular.
Posted on 6/11/18 at 11:36 am to specchaser
some banks have software you can use. My credit union has one online linked with my checking/savings. each bill that comes through you can assign to a category. even link my credit card to it
Posted on 6/12/18 at 10:38 am to specchaser
I do mine the old fashioned way - a pen and a notebook. Obviously fixed/recurring bills are the easy part - groceries and non-recurring expenses/entertainment were the only things that took a little time to nail down. Simply writing down everything I spent money on for a few months made it easy to nail down a budget. I’ve stayed within a pretty narrow window for the most part in my monthly spending once I got it on paper. I don’t see the need for this to be on a computer.
Posted on 6/12/18 at 11:01 am to specchaser
I pay for everything i can with credit, so it's easy for me to budget using mint. Mint is great for showing you trends with your fluctuating spending categories (food, car, etc.). I'm thinking of setting up a personal capital account to make it easier to see the big picture.
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