Keeping a Budget {Day One}

1
Jan
2013


 

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Learn to live well by spending less!

 

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  • April Breon

    I recently started using http://www.eebacanhelp.com for envelope budgeting. I’ve only used it about a month, but the online programming is simple to use. It can be setup and maintained by computer or android/iPhone. I’m spreading the word. This is a neat program. Includes charts, percentages, lists, etc. Very nice.

  • http://www.theconfidentmom.com Susan

    Thanks for sharing this! We do not use a cash envelope system, I will share more on that beginning next week. I know cash envelope systems are what work for a lot of people.

  • Ruth in London, England

    Sadly Mint is not available in the UK, so I need to find an alternative. Perhaps the system April referred to above will be an acceptable substitute!

  • http://www.theconfidentmom.com Susan

    Sorry Ruth – never even had crossed my mind about that! I will keep my eye out for other options!

  • Darcy

    Is the mint.com safe? I noticed you add all account numbers and such on the site. Im always worried if I do something like that someone will clean my accounts faster than I can.

  • http://www.theconfidentmom.com Susan

    I know that is a real concern. My hubby is really – really conservative with regard to internet stuff and he felt comfortable using this system. We’ve had no trouble at all – I’ve never heard of anyone either. It really is a great site and would never recommend it if I wouldn’t use it personally or think it was a smart money decision. I hope you will feel comfortable using it!

  • Darcy

    How long have you used it?

  • http://joannatopazt.blogspot.com JoannaTopazT

    I tried Mint but deleted my account — I didn’t like it because it seemed to process things in its own order, not the way (my brain at least) would logically do it, so it never seemed to actually give me a clear snapshot of my finances — something was always off. I’ve been trying out budgetsimple.com and spendingdiary.com for a while. Spending Diary isn’t a budget site, it’s more expense tracking — but I know it will work abroad, because I had to change the default from pounds to dollars. :) Budget Simple lets you input your own budget categories and keep or change them month to month, so it’s a site that works both for budgeting and expense tracking. Both sites are free, although Budget Simple has a paid option, that I’m thinking about trying out for a month so I can check out the reports features — you don’t get much of that in the free version. Spending Diary is better for creating reports.

  • Myra Boss

    We currently use Mint and like it rather well. We use the app as well it’s its a great way for my husband and I o stay on top of our expenses. There is also another app/website that is similar called Pageonce. I like that one too.

  • http://www.theconfidentmom.com Susan

    Thanks Myra – Perhaps others might be able to use Pageonce who cannot use Mint!

  • http://www.theconfidentmom.com Susan

    We have used it for nearly 3 years. I wouldn’t want to do anything else, it literally changed the way my husband and I spend our money – for the better!

  • http://www.theconfidentmom.com Susan

    Interesting Joanna – I have never experienced that with Mint – I love the fact that transactions are almost instant – by the time I come home from the grocery store, that transaction is shown and put into the category, or perhaps I have to shift it. I love the ease of splitting a transaction into different budget categories too.

    Thanks for sharing the other sites. Mint won’t be for everyone, but it is just the site I’ve had experience with and I love that it is free.

  • Elisa

    Hi, I’m from the UK too and this is an answer for Ruth above. There’s a UK equivalent website called On Trees;
    http://www.ontrees.com

    Hope that helps,

    Elisa x

  • Teresa

    Hi. I am looking for a great way to create a Budget for our family? DO you know of any recourses that would help me make one? Or a program that you recommend to help create one? Thank you :)

  • http://www.theconfidentmom.com Susan

    I use and recommend mint.com – it is free – I don’t get a commission or affiliate for it, but love it! So easy once you get it set up and we have used it for over 3 years successfully!