How do you track your personal budget?
How do you track your personal budget?
Do you track your expenses monthly? Annually? Do you have an app or do you use an excel spreadsheet? Any suggested tools?
I use a spreadsheet and track monthly.
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You Need A Budget.
Okay, well maybe you don't but most people benefit from having one. The difference between tracking your expenses and deliberately planning what your money needs to do for you.
There's a thing called the envelope system, or zero-based budgeting, which basically means helps you assign the moneybags you have now, to the expenses you know you'll have. "What does this money need to do until I get paid again?" It's a whole thing, and it works really well.
I don't know how to link to communities but search for /c/ynab (or if you like, also /r/ynab over on that other site).
I love YNAB but I just can’t stomach the price.
I agree with you on the price. They say it pays for itself, and I believe that is true, but it is still a high price.
Agreed. I wish it was cheaper. Although now with YNAB Together my partner and I can share an account and my sister also agreed to have her budget. (I can technically peek as account manager but I've promised I won't and we're close enough that it's not an issue.) But now it's $30/each!