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…

Need Help with Budgeting I’m 25M with a full time job in my last semester of school. I’ll be graduating with an accounting degree but don’t plan to pursue my CPA. Just wanted to know how much to budget for life expenses. I wanted to purchase a car in the next few months as it would make my life more easy in terms of commuting to work and university (work is 40 mins driv…

Budgeting for groceries and miscellaneous. Is $1000 per week for a family of 6 a reasonable amount to set aside for groceries? submitted by /u/Glittering-Stuff-599

Money Budgeting for “Fun” Little backstory first – I am an 18 year old, I work online and earn a commission based salary, which means that my salary can vary widely, however I have found that 2,000 euros is my average and most common monthly income. The average salary in my country is about 600 euros, which puts me in a nice spot. I have no serious expenses, as I live w…

Budgeting any suggestions How can I start budgeting? If anyone has any suggestions plz let me know?! My bf and I are planing to pay down our debt , but we are bad at managing our money. Thank you submitted by /u/lovlulu

Budgeting apps for married couples Curious what budgeting apps you all use? I’ve heard of monarch but the price point seems hard to justify considering all the other options out there. If I am going to spend time setting it all up I really want an app that is great at customization and looks visually appealing. submitted by /u/Chrisju22

What budgeting apps do you use? I was unemployed For about 4 months in 2023 And I got a lot of debt from that time. submitted by /u/thedrakeequator

Does my budgeting method make sense anymore? For the past five years, I’ve used a very simple, but effective-for-me budgeting method: For each pay period (I’m salaried, paid bi-monthly), I create a spreadsheet that lists out any bills for that period and deducts them from my income. After that, any amount over $1,500 is allocated toward savings. The remaining $1,500 is discretionary and I …

Always struggled with budgeting due to HUGE monthly fluctuations I love spreadsheets in general and I have made many attempts at budgeting spreadsheets but I always abandon them after a short period because my spending varies so widely. There’s no “normal” month for me, as I very rarely come close to my average monthly spend. For a quick couple of examples: I have a CSA share so I will spend $500 on food in o…