I need help budgeting for a home (young and dumb) Hey all, I am 25 years old married and a Marine Corps Veteran and work for the railroad. I work about 9-10 hours a day 5 days a week m-f ( I choose not to stay 12 hours lol) I could make much much more working a road pool but love being home and going fishing and to the gun range with my dad and date nights with the wife. I make the same amount …

Looking for a budgeting app that is simple and effective I am looking for a budgeting app that i can use between my phone and laptop that is user friendly but will help me get my dmbudget squared away with the goal of being debt free in 2 years. I have some old debts to oay off as well as some current cards and loans. Any help is appreciated. submitted by /u/Actual_Animal_2168

budgeting actually makes me less stressed on spending. growing up tight with money i’ve always feel guilty for treating myself. now, for example i have a set amount of “misc” where i can use for whatever in a week (restaurants, clubs, video games, etc). as long as it’s within threshold in a week. i know what to expect. budgeting is amazing yall!!! submitted by /u/lostbythestars

I wanna learn budgeting and saving Hi y’all first time posting. I’m 15 (male) and I wanna learn budgeting and saving. I work in a restaurant b/c my uncle was able to help me get in I go once or twice a weekend and get paid $150-$200 or even more by the end of the day. I have a bad habit of spending money on friends or family. I have clothes and stuff that I want but no matter wha…

Google Doc Spreadsheet for Monthly Budgeting Anyone have any good Google Doc Spreadsheets for Monthly Budgeting? submitted by /u/Straight_Building_67

Budgeting and tracking expenses I need some advice on some platforms that help me manage my expenses. I have a hard time tracking them and it ends up costing me a good $100+ extra dollars a month because I simply forget to cancel subscriptions. Any help? submitted by /u/Good_Beautiful_731

Retirement budgeting advice – calculators seem way off Like the title says – I’m trying to really plan for retirement (based in the US), but I’m having difficulty understanding how most of the online retirement calculators (Fidelity/Nerdwallet) come up with the number, other than an arbitrary 80% of my income. Am I missing something? My current income sustains a family of 4, including a not insigni…

I’m disciplined with fitness, but terrible at budgeting I’ve spent the last 6 months tracking every meal, every workout, every macro. It became second nature. But when it comes to money, I have zero control sigh I try to budget, but I either forget, overspend, or just give up. I don’t even know where my money goes each month—it’s like it disappears. I’ve tried using apps, writing it down, but I never…

Budgeting Suggestions Hey everyone. I was looking for assistance in regards to getting a better hold on budgeting. My wife and I get paid bi-weekly, but get paid on opposite weeks. Therefore, we have a paycheck coming in at the end of every week. I have been separating the bills and paying them on the 1st and the 15th in regards to how they fall within the month. In…

Budgeting app with “reimbursed” category/functionality Hi! I’m looking for a budgeting app where I can track/categorize all of my expenses to understand my spending – but here are a few specific things I’m looking to be able to do: indicate which portion I’m really paying vs. what I’ll be paid back for (i.e. putting my card down at a group dinner, splitting utilities with my roommate, etc) a way to…

I’m 19 and paranoid about overspending. Should I be budgeting more or am I paranoid? Hello, I’m 19 and currently working my first job in fast food making $17.05/hr. I work anywhere from 10-30 hours a week depending on the scheduling, our specific chain is considered on the bougier side of fast food so the tips usually cancel out what taxes take from my check. My paychecks on average are usually in the $500-$700 range, and I get …

Budgeting catagories I’m beginning to learn how to budget for the first time, and I’m confused on how categories work. I understand categories of like groceries, bills, debt payment, etc. The thing I don’t understand how to categorize is stuff like if I needed to purchase a tool, one time purchase. Or if I needed to replace curtains that tore. Just like one time pur…

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 …