I know we are all here to make an extra buck but how do we then budget said money?
I use software called You Need A Budget (YNAB)
I use software called You Need A Budget (YNAB)
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Budgeting
- Thread starter gembaxter25
- Start date
I have to say it is fab. I became obsessed with checking our online banking dozens of times a day and staring at a spreadsheet. Now the main software on the laptop, app on both phones and me and husband can update and manage on the go. It did cost but was a one off fee. Think I have $6 off discount code somewhere.
I do it the old fashioned way, by writing down my monthly earnings and my monthly outgoings. I always know in my head how much money I need to have in my bank account by the end of each month. My direct debits go out on the first day of the month, so I need to have enough money banked to cover those. Then I can work out my monthly budget for food and other expenses over the coming month.
My weeklin income varies a lot but I know the minimum amount I need to earn each month. I usually manage to scrape by. but when my income drops I know I have to be more productive. When my earnings increase I am also motivated to be more productive so I can have a record-breaking month.
My weeklin income varies a lot but I know the minimum amount I need to earn each month. I usually manage to scrape by. but when my income drops I know I have to be more productive. When my earnings increase I am also motivated to be more productive so I can have a record-breaking month.
I have always made notes but have been slacking, need to get back into it, doubt I would pay for an app though
I always said that MissyRose but so glad I did. For the first time ever I forgot it was payday. I actually knew what money I had left.....and I had it left lol.
You get a 34 day trial to see how you get on with loads of little "training" sessions available. It is around a 4 rule budgeting plan so the sessions ort of help you understand the mindset changes. I have been avidly using it for 4 months and we are getting there. It took time for both husband and I to get on the same page. I can also give you a code for a discount if you wanted to purchase. In the training sessions they also give away 1 free licence at the end so worth it for that too!
Don't get me wrong this program is not for everyone. I have spoken to someone who just did not get on with it. Let me know if you want any other info or a chat about it.
And for the record I am not affiliated with the company in any way. xx
Don't get me wrong this program is not for everyone. I have spoken to someone who just did not get on with it. Let me know if you want any other info or a chat about it.
And for the record I am not affiliated with the company in any way. xx
ladymissell
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- Oct 1, 2018
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YNAB sounds really interesting - do you think it would work for someone on a variable income? Mine is different literally every month and it makes budgeting SO HARD