Info Expert budgeters get in here!

[Mai72]

It seems ironic to pay a re-occurring fee for a budgeting program.

I look at it differently. If I am getting value out of it, then why not spend the $50 a year. That's like $4 and some change a month. If I can't spend a little over $4 a month on a program that I find valuable for my life then I need to think differently. I use YNAB everyday, and my budget goes thru the progam every Sunday. I spend every Sunday for 30m and I'll plug in my budget for the week. That's just me though.

 

[blackangst1]

Budgeting isn't the answer. Learning to stop keeping up with the Jones' is the solution.

Everytime you want to make a purchase ask yourself the question: "Do I really need this shit?"

Budgeting is something that people do when they have a TIGHT budget and have to make sure they allocate certain amounts to certain bills. That isn't necessary for anyone that has a decent living.

Take a look at Mint for the last few months and tell me this: What categories are you spending the most excessively at? That will help us further drill down where you need help - could be dining (eating out to much) or in shopping.

As I said, I make good money, and never have issues paying bills on time. So...maybe I dont need one? Just seems like everyone should.

Oh...and as I admitted in my first post...other than essential expenses, most money goes to dining.

 

[s0me0nesmind1]

As I said, I make good money, and never have issues paying bills on time. So...maybe I dont need one? Just seems like everyone should.

Oh...and as I admitted in my first post...other than essential expenses, most money goes to dining.

Then you're spot on. Work on not going out as often. I have found that organization with meals is one of the best ways....

Start doing things regularly... Taco Tuesday... Grilling Thursday... Pizza (oven based) Friday.... Anything but going out to eat.

I had some similar stuff where my money wasn't going up month-to-month as much as I liked and I easily recognized why... I fucking love beer way too much. Time to put the bottle down for a while.