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User Topic: Software or ways you budget your finances
Guinness23
♀ Member
Member # 42852
Default  Posted: 9:32 AM, June 22nd (Sunday), 2014View ProfileEdit MessagePrivate MessageHomepage

I am reasonably computer literate. I need to rearrange my finances to budget properly something I admit I never have done.

What is the safest software to do this? I get paranoid about allowing software to access all my accounts.

Help. Thank you.


Me 47
ExH 43
Divorced 2010

47 is the new year of treating myself better than I have in 6 years.

What ever doesn't kill me makes me stronger so long as I remember that

My favorite drink is no longer Guinness but water. Call me Dasani23


Posts: 592 | Registered: Mar 2014 | From: Indiana
MovingUpward
♂ Guide
Member # 14866
Default  Posted: 9:49 AM, June 22nd (Sunday), 2014View ProfileEdit MessagePrivate MessageHomepage

You don't have to allow the software packages to access your accounts if you hand enter in the data. I've been using an excel spreadsheet for years. Each year I start a new spreadsheet. A tab for each month with the main details I want to budget. A line item for each paycheck. A line for each known utility bill, atm cash, mortgage/rent, insurance. . . . .


AKA Moo

Think of the haters in your life as sandpaper; they’ll scratch you up time and time again but in the end you’re polished, smooth, and spotless..while they end up useless

We make a living by what we get, but we make a life by what we give.


Posts: 52682 | Registered: Jun 2007 | From: Big Blue Nation
Dreamboat
♀ Member
Member # 10506
Default  Posted: 11:01 AM, June 22nd (Sunday), 2014View ProfileEdit MessagePrivate MessageHomepage

I also use spreadsheets. I download all the transactions for my bank account and Amex (my only active credit card) and then I categorize each expense, such as "utility", "mortgage", "grocery", "fast food", "gas", "home repair", ...etc.

In previous years I only did this at the end of the year, but this year I started doing it every month. I really need to watch my expenses because I have some expensive home repairs so money is tighter this year.


And it's hard to dance with a devil on your back
So shake him off
-- Shake It Out, Florence And The Machine

Posts: 17689 | Registered: Apr 2006 | From: A better place :)
FaithFool
♀ Member
Member # 20150
Default  Posted: 11:19 AM, June 22nd (Sunday), 2014View ProfileEdit MessagePrivate MessageHomepage

I'm a total Excel junkie. I borrowed a template from the one used at work for a department I was in.

It has three linked sheets.

The master has a page for every category, the "big picture" overview collects the data and summarizes by month and year, and the "quick look" tells me how quickly I'm spending my discretionary fund every month.

I have it set up so when I'm in the red, the numbers are red and boldface (I draw the line at flashing...).

I'm a nerd that way.

It's very handy at tax time.

[This message edited by FaithFool at 11:19 AM, June 22nd (Sunday)]


DDay: June 15, 2008
Mistakenly married Mr. Superfreak
20 years of OWs, WTF?
Divorced Dec 26, 2011
"Life is a shipwreck, but we must not forget
to sing in the lifeboats". -- Voltaire

Posts: 17551 | Registered: Jul 2008 | From: Canada
inconnu
♀ Member
Member # 24518
Default  Posted: 12:59 PM, June 22nd (Sunday), 2014View ProfileEdit MessagePrivate MessageHomepage

I found a really good budgeting spreadsheet template on google docs (now google drive) years ago. I saved it to my computer and customized it for my needs since it had way more categories than I needed.


Say what you wanna say and let the words fall out...honestly
I wanna see you be brave

Pretty pretty please, don't you ever ever feel
Like you're less than, less than perfect


Posts: 12166 | Registered: Jun 2009 | From: DeepInTheHeartOf, TX
Guinness23
♀ Member
Member # 42852
Default  Posted: 4:28 PM, June 22nd (Sunday), 2014View ProfileEdit MessagePrivate MessageHomepage

Thanks all!!


Me 47
ExH 43
Divorced 2010

47 is the new year of treating myself better than I have in 6 years.

What ever doesn't kill me makes me stronger so long as I remember that

My favorite drink is no longer Guinness but water. Call me Dasani23


Posts: 592 | Registered: Mar 2014 | From: Indiana
circe
♀ Member
Member # 6687
Default  Posted: 4:54 PM, June 22nd (Sunday), 2014View ProfileEdit MessagePrivate MessageHomepage

We use excel too!

Like Moo we have a new workbook for each year. Tab one is our big picture with all debts, mortgage, insurance and annual finances like our vacation and gift and charity funds. Each new tab is a new month, and we have savings and inflow and outflow and fudge factors all calculated in so we can just put in the numbers and all the calculations are auto-filled.

We've discovered over the years that we can't line item everything. We have food and household expenses as a single number, because neither of us has time to itemize paper towels and cat litter versus fruit and vegetables. So it's like - all of the food and supplies we regularly buy in the month from the grocery store and wal-mart are lumped together. We update that number about every weekend, so we'll just auto-search our online bank for the name of our grocery store and add all those numbers together for the weekly total and enter that number in to the spreadsheet.

We also tend to round up so we're not working with cents, just dollars, because simplifying means we're more likely to actually do it.

It also makes it "fun" - if you can call it that - to make "vacation" and "blow money" categories and put a bit of money into them each month. That gives us an incentive to actually open the spreadsheet because we want to see how much we've saved for fun, sorta like getting a treat each time you do a chore.

Also we've found that if we overestimate our changing bills - like the gas and electric, which are completely unpredictable and change each month - we let the overflow go into a fun money account and go see a movie or something with it. This has actually (at times, not always) enticed the kids to shut lights off and turn off the fan in their room when they leave, so they could see if that helped earn us a family movie. DH and I may or may not regularly fudge our report of those numbers to report being in the black when we see the kids making an earnest try to shut things off, so they keep doing it.


Posts: 3196 | Registered: Mar 2005
Mama_of_3_Kids
♀ Member
Member # 26651
Default  Posted: 5:26 PM, June 22nd (Sunday), 2014View ProfileEdit MessagePrivate MessageHomepage

I have used Excel, previously, but to get Do3K to better understand budgeting, we are physically writing everything down (in a bill book) and putting every bill, with the amount due, onto a calendar.


Me: FBW/30 Him: FWH/33 The kidlets: DS13, DS10, and DD8 The hounds: Four Shih Tzu's
Finally, completely R'd
Clothed in strength and dignity, with nothing to fear, she smiles when she thinks about the future.~Proverbs 31:25

Posts: 11586 | Registered: Dec 2009
Dark Inertia
Member
Member # 30727
Default  Posted: 5:30 PM, June 22nd (Sunday), 2014View ProfileEdit MessagePrivate MessageHomepage

I use You Need a Budget.. Got in on sale at Steam for $15... Some might say it is a glorified excel spreadsheet, but it has totally changed my approach to finances and money. I love it!


"If I listened earlier, I wouldn't be here. But that's just the trouble with me. I give myself very good advice, but I very seldom follow it."

Posts: 1284 | Registered: Jan 2011 | From: The Ohio
unbreak_my_heart
♀ Member
Member # 12145
Default  Posted: 9:08 PM, June 22nd (Sunday), 2014View ProfileEdit MessagePrivate MessageHomepage

My son swears by YNAB (you need a budget)... I can't get the hang of it...


HAPPILY RECONCILED!

I ♥ my Husband!!!


Posts: 2287 | Registered: Sep 2006 | From: Our happy place
Dark Inertia
Member
Member # 30727
Default  Posted: 9:42 PM, June 22nd (Sunday), 2014View ProfileEdit MessagePrivate MessageHomepage

There definitely is a learning curve to YNAB. I watched all the videos, attended a few webinars and visited the forums... Partly to learn it, and part because I enjoyed it so much. I have taken the value and it's idea of money management to heart... And since my SO is super frugal it ended up being a way to get him more involved in the finances. :) I am with your son, I swear by it. :D

[This message edited by Dark Inertia at 9:42 PM, June 22nd (Sunday)]


"If I listened earlier, I wouldn't be here. But that's just the trouble with me. I give myself very good advice, but I very seldom follow it."

Posts: 1284 | Registered: Jan 2011 | From: The Ohio
GabyBaby
♀ Member
Member # 26928
Default  Posted: 9:48 PM, June 22nd (Sunday), 2014View ProfileEdit MessagePrivate MessageHomepage

Another vote for Excel. :)


Me - 42
SorryInSac (WH#2) - 47. DDay 7/12/14
Married 4, together 7yrs total
Status - Stick a fork in me...

DD(21), DS(18, PDD-NOS)
6 Furkids - 4 dogs, 2 cats

WXH (serial cheater, 12+ OW) - Legally married 18yrs

I edit often for clarity.


Posts: 6540 | Registered: Dec 2009 | From: California
Topic Posts: 12

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