Budgeting apps

I don't see a point of these apps. If you can't already budget how can you remember to keep track of your spending. But maybe that's just my crap memory. :D

Every now and again when I have a big enough change in my normal spending I use the spreadsheet from money saving expert to see what's my rough disposable income is and then stick to that.
http://www.moneysavingexpert.com/banking/Budget-planning
 
Droolinggimp said:
The last two years I have just used Calc on Open office. I have a set up with month by month but as I (wife is too) am paid four weekly I have each month as a column dated 1st to 31st or whatever is the end date. I input each DD/SO other bill on the actual date it comes out in the column next to the date and have each pay day highlighted every fourth Friday so I get a final expenditure and surplus at the day before the next pay day. As my bills are monthly in October/September I have roughly a full wages that is surplus as I get paid twice in that month. My pay day are staggered each month. It may seem a crap way of doing a budget but it's probably better to see it than try to explain it.

It works for me and my wife and have managed our finances for the last few years this way and its been pretty good. It's been a bit hap hazard this last few months having to pay out loads for a wedding and having to move money fro A to B but it's now back in order as everything is now paid and we are starting a new out look on money.
Click to expand...

Use the vastly superior LibreOffice. :cool:

bayo000 said:
I don't see a point of these apps. If you can't already budget how can you remember to keep track of your spending. But maybe that's just my crap memory. :D

Every now and again when I have a big enough change in my normal spending I use the spreadsheet from money saving expert to see what's my rough disposable income is and then stick to that.
http://www.moneysavingexpert.com/banking/Budget-planning
Click to expand...

The budget app I'm using is absurdly easy to use, which helps a lot. I have no idea how others faff with Google Drive on their phone.
 
I just keep an excel document updated with any money in/out of my bank account.
Easy to keep tabs per month on whats going on.
 
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