What to do with Costco for spend tracking/ budgeting? We get such a wide range of stuff from Costco. Groceries, toiletries, batteries, clothes, medicines, some electronics, restaurant gift cards, Nintendo gift cards, alcohol, general household items, etc. Lumping Costco in with any other budget category balloons the category beyond it’s real size. We’ve just let it be its own category but it ends u…

New to budgeting. Advice needed. Here is a rough outline of current financial picture. As mentioned I am 26 and currently living in Chicago. Salary: $55k OTE: $89k Monthly expenses Rent: $1100 Groceries: $300 Student loans: $300 Transportation: $100 Laundry: $60 Investments Roth IRA: $28k (fully maxed the last three years) 401k: $268(just began contributing at 3%) Savings: Eme…

New car purchase. Need advice budgeting Hello Everyone, Currently at 230K at 20 years old. I’ve got here by investing my money into NVIDIA mostly and investing 500 of my paycheck per week. Lately, i’ve bought a car and got high insurance to help protect my assets due to obvious circumstances. If i pay the minimum car payment which is 450 and insurance of 300 it’s about 750 a month whi…

What is the highest priority for budgeting when paying off debts while also saving/investing? Hi, I am 22 F and I just got a promotion at my company and with the new year I want to take control of my finances. I am one year out of college for my BA. I will break down my expenses and salary roughly. I live with my bf of 3.5 years and my parents still pay for some of my Health and car insurance so that helps as well and my bf makes a littl…

What’s the best budgeting app out there? I live in the US and keep seeing ads for rocket money and Mint. Anyone have advice on which app (the ones listed or not) is best? I’m not looking to pay a subscription either so something free to keep track of things is what I’m after. Would love to hear some success stories if possible! submitted by /u/whitewolfie916

First Time Home Buyer Savings/ Budgeting Hello r/personalfinance! My wife and I (29/30) are saving to buy our first home soon. We haven’t started shopping for a pre-approval yet. I’m looking for a sanity check on our plan and advice on where to pull money for our upfront expenses before starting that process. Info: Combined gross income: $220k yearly Home Budget: 600-650k Down Payment…

Burned out from working two jobs. I want to stop budgeting and take a break from my second job, but not if it means deflating my lifestyle. I have been working 45 hours a week at my main job earning $19/hr and 20ish hours at my second job earning $12/hr. Jobs paying more than $40k are rare in my low COL area, there are only two employers that hire for my field which both pay the same, and I am a low performer. I’m doing my best but this is my current reality and until that changes I…

budgeting with fitness classes hi guys!! I’m fairly new to financial planning and hoping your advice will help!! i’m 22 and make about $84,000 pre-tax in a pretty expensive city. i put 7% of my paycheck in my 401k (with employer match of 5%), and my post-tax paycheck is about $2000 biweekly. i save $200 in a high-yield savings account (slowly building my emergency fund) and …

Advice: Budgeting With My Wife Although my wife has gotten a bit better at budgeting, it’s still a cause for concern. I’m definitely the more frugal/money conscious one out of the two of us. We’ve been using the Quicken Simplifi app for the past 6 months to see if that helped her, but she still goes over budget on spending every month by at least $150-250/month. She’s always …

Are there any free budgeting websites/app you use and recommend? I used to use Mint years ago. Trying to save money for a down payment and want to tighten up my budget, but I don’t want to pay an app subscription or Dave Ramsey. What do y’all use? Preferably free! Thanks! submitted by /u/MoreSeriousUsername

Personal Budgeting Advice I’m a 23 year old man working my first job after finishing my masters in electrical engineering this May. I make about $125,000 before taxes and benefit deductions and live in Albuquerque, NM. I pay $1500/month for rent and $300 for utilities + mandatory apartment complex amenities and upkeep fees. I also have a car loan as I got a car in August…

Recommendations for Budgeting Recommendations for a beginner please. I started using Google sheets. But there’s lot of manual work. Any suggestions so I can track my spending without entering each transaction in excel manually. If there is a paid subscription, what is it and is it worth it? submitted by /u/Scared-Efficiency-59

Money Budgeting – Struggling to Find a Method That Works For my Brain Hello, I graduated HS in 2019 (I’m 22, graduated at 17) and since then I have budgeted my money. However, it’s proven to be harder now that I actually have to spend money (I didn’t spend much in HS or for a couple years afterwards, I basically just saved). My goal is to have a method where I can input what I’ve spent for certain categories (i.e….

finding the right budgeting app I tried monarch, but it doesnt have thr ability to add one time future expenses. rocket money doesnt allow you to see any budget but the current month. ynab doesnt let you play with any money you dont already habe in your account. what budget lets me track routine bills and subacriptioms, see future months and add one time expenses like a trip …

Moving out on my own next year, and pretty clueless. Looking for budgeting advice. I’m a 23 y/o college student who will be moving out of my parent’s home in June of next year and getting my own apartment, living alone. I have lived with roommates in the past and for my own quality of life just don’t consider it worth the money I’d save. However, I’m also slightly concerned about making things work with my income and expenses….

Main weakness: I’m not good at budgeting I make plenty of money to support myself, nothing excessive, but I’m admittedly having trouble establishing a cycle where I have a large sum in savings for taxes, emergencies, etc, which is my current goal. Open enrollment came around, and I opted out of my HSA for extra money in my pay outright, it’s taxed, but spendable on anything, or saveab…

Moving to USA for a job opportunity – budgeting advice 25M moving to USA for work. Monthly NET income will be $7200 which doesn’t include any 401k contributions. I will be living alone with no other financial commitments or debt. I am looking for advice regarding 401k contributions, IRAs, other investment options. I have $18000 cash of which I want to use as down payment on an apartment and a vehicl…

Wondering if I’m budgeting properly or need to reevaluate. Currently trying to save up and buy a house. I do not have any credit card debt or unnecessary loans. The only debt I do have is a student loan (almost paid off) and I have an auto loan for my vehicle. With all my bills paid I’m able to save about $600 a month working standard 40hr weeks. That being said, over time is available but I recently re…

Benefits of manual tracking and budgeting? Back in the day I used to use a combination of MS Money/Quicken and spreadsheets to track debt, reconcile our bank account and plan for expenses. I used this method to become debt-free twice over a period of 10 or 15 years. We had a few things occur that caused us to fall into debt again. I have been using YNAB for several years now and it hasn’…

Looking for a budgeting app for kids! Hi All – not sure if this is actually a thing but hoping there’s a parent out there that has an answer. Heading to our Disney vacation in 2 weeks and I’m looking for some type of app for kids where I or they can track their spending. Nothing that would link to a bank account – basically, my 2 kids (11 and 5) have been gifted Disney, Visa gift c…