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Software to organize finances and credit repair
Posted on 1/7/18 at 8:44 am
Posted on 1/7/18 at 8:44 am
My wife and I have been incredibly lazy with our finances. We make enough money to be comfortable and spend money on nonsense. I would like to finally organize and structure a true budget. When doing a search, Mint comes up frequently. Do any of y'all use this software or any software for that matter?
Also, when buying my last vehicle, our credit had taken a dip related to bills being paid late. This was a result of again laziness and just the whirlwind of raising 3 small kids. Other than getting organized and getting all bills paid in a timely matter, is there a "quick fix" to ridding these dings off our credit?
Also, when buying my last vehicle, our credit had taken a dip related to bills being paid late. This was a result of again laziness and just the whirlwind of raising 3 small kids. Other than getting organized and getting all bills paid in a timely matter, is there a "quick fix" to ridding these dings off our credit?
8
Posted on 1/7/18 at 8:48 am to Columbia
quote:
Mint comes up frequently. Do any of y'all use this software or any software for that matter?
Yes, many here use it as well as YNAB, short for You Need A Budget. YNAB is a paid option though and I have no problems with Mint.
quote:
Other than getting organized and getting all bills paid in a timely matter, is there a "quick fix" to ridding these dings off our credit?
Not really, pay all of your bills on time and it will go back up
Posted on 1/7/18 at 3:08 pm to Columbia
Another vote for Mint as I've used it for years now. Free and all the basic categorizing/tracking is there. My tip for you is to set up a regular time each month (I do it at the last day of the month) to review and categorize expenses accordingly. I travel a lot for work and it keeps me organized to mark business travel expenses (you can create your category), then export into a .csv file to do my expense reports for work.
Good luck!
Good luck!
Posted on 1/7/18 at 4:28 pm to Columbia
I've used Quicken for more years than I can count and have tried both Mint and Personal Capital...All of which are good programs.
However, I discovered YNAB a couple of years ago. If you want to truly prioritize your money and know exactly what you are spending it on...I think YNAB is a game changer. Easy to use and extremely powerful.
If you have any interest in a referral link, message me an email address and I'll send you one.
However, I discovered YNAB a couple of years ago. If you want to truly prioritize your money and know exactly what you are spending it on...I think YNAB is a game changer. Easy to use and extremely powerful.
If you have any interest in a referral link, message me an email address and I'll send you one.
Posted on 1/7/18 at 10:22 pm to Columbia
I've used YNAB since it was a $10 Excel spreadsheet. It is what you need. They do a free 60 day trial, then its $45/year. The founder pissed off some early users a couple years ago. It used to be $60 one time and free upgrades for life. But beginning with version 5, it went to an SaaS model and he made the decision to continue supporting version 4, but the free upgrade for life deal would end at version 5.
Fair warning - you need to be serious. Once you see the big picture, sometimes it can be ugly and you cant get discouraged. Keep fighting . The point is to eventually use money earned in January in March. That's weird because that's not how normal people do it. But living paycheck to paycheck is stupid.
Also, If you have access to an edu email address, its free for up to 4 years.
Fair warning - you need to be serious. Once you see the big picture, sometimes it can be ugly and you cant get discouraged. Keep fighting . The point is to eventually use money earned in January in March. That's weird because that's not how normal people do it. But living paycheck to paycheck is stupid.
Also, If you have access to an edu email address, its free for up to 4 years.
This post was edited on 1/7/18 at 10:31 pm
Posted on 1/7/18 at 11:19 pm to Columbia
Personal Capital is great and is much better than Mint. More user friendly, more stats, etc.
Posted on 1/8/18 at 5:36 pm to rpg37
RPG I like personal capital but for budgeting it’s piss poor. They even admit it. It is awesome to link all your investments and see where you can do better though.
The best way to solve any problem is acquire as much data as possible. Need to log every purchase and categorize it properly.
The best way to solve any problem is acquire as much data as possible. Need to log every purchase and categorize it properly.
Posted on 1/8/18 at 6:55 pm to Columbia
YNAB, but it has gotten expensive - was about a buck a week last year ($50 or $52 for the year), now it's going to be $80 or so for the year.
Easily paid for itself several times over. We were on the envelope system and YNAB is, essentially, a "virtual" envelope system.
Easily paid for itself several times over. We were on the envelope system and YNAB is, essentially, a "virtual" envelope system.
Posted on 1/8/18 at 11:47 pm to Columbia
As others have said, YNAB is great. I used mint for a while and found YNAB to be more user friendly.
It forces you to allocate every dollar you have and gives you a clear picture of where you stand.
It does take work, because every transaction you make will need to be entered manually or imported and assigned to the appropriate bucket(s). It does a great job of matching the transactions you enter manually when they post to your account and are imported.
The app is really good too when it comes to adding transactions. If you are at a gas station and add your purchase, the next time you are there, it will use your location and automatically fill out the name of the station, appropriate account, and appropriate bucket for the transaction.
It forces you to allocate every dollar you have and gives you a clear picture of where you stand.
It does take work, because every transaction you make will need to be entered manually or imported and assigned to the appropriate bucket(s). It does a great job of matching the transactions you enter manually when they post to your account and are imported.
The app is really good too when it comes to adding transactions. If you are at a gas station and add your purchase, the next time you are there, it will use your location and automatically fill out the name of the station, appropriate account, and appropriate bucket for the transaction.
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