Monthly budget apps

Moneydashboard.com looks to have come a long way since i had a look about 12 months ago, definitely worth another look :)
 
Never found one I liked, so I use excel on phone and tablet.
Although I get paid 4 weekly so need forecasting ability which no app seems to do.
I want to know what I have on the day before payday, so things like bills I need it to subtract for me in advance.
For the amount of people who get paid 4 weekly this feature is missing in every app I've tried.
 
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Glaucus said:
Never found one I liked, so I use excel on phone and tablet.
Although I get paid 4 weekly so need forecasting ability which no app seems to do.
I want to know what I have one the day before payday, so things like bills I need it to subtract for me in advance.
For the amount if people who get paid 4 weekly this feature is missing in every app I've tried.
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It exists in moneydashboard.com I believe.
 
Now I'm tied between Money Dashboard which I've just spent the afternoon at work setting up. It's early days and it's not really understanding the way my money flows as it's not easy to understant. But it's nice knowing it's seeing all the categories of things such as games or drinking etc.

If YNAB can offer a similar streamline service, I'll be happy. As in, I put in account details (same as Money Dashboard) and it just pulls info from all my accounts. I'll be a happy camper.

Also, it seens YNAB is heavily focused on couples... I just want my **** together lol.
 
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Spook187 said:
What ever happened to pen and paper and your brain to sort the budget out.
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As stated in the thread, I barely have time to scratch my arse these days let alone sit down and go through my finances. And in order to keep them in check as they are running wild again. I need aid.

Hope that's ok.
 
Ive never considered using a budgeting app but after reading this, it maybe worthwhile.

So can I just double check, things like YNAB can automatically retrieve transaction details and puts it into some kind of budgeting format?

But whatabout those transactions which are going onto credit card for example?
 
YNAB doesn't automatically retrieve transaction details you need to enter them yourself. It has a mobile app so takes no time at all (10 seconds to log your spending).

In my mind the automatic pulling in of the transaction wouldn't be beneficial as you wouldn't be actively managing from which budget etc. the transaction should be coming from.
 
I just use MoneyLover app on Android.

It's not a budgeting forecaster etc. But it allows me to put in my direct debits, standing orders and regularly payments for the month ahead and then I know how much money I have in my account.
 
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agnes said:
Now I'm tied between Money Dashboard which I've just spent the afternoon at work setting up. It's early days and it's not really understanding the way my money flows as it's not easy to understant. But it's nice knowing it's seeing all the categories of things such as games or drinking etc.

If YNAB can offer a similar streamline service, I'll be happy. As in, I put in account details (same as Money Dashboard) and it just pulls info from all my accounts. I'll be a happy camper.

Also, it seens YNAB is heavily focused on couples... I just want my **** together lol.
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I have 2 budgets set up, one for us, and one for me. Doesn't need to be couples thing at all. :)
 
agnes said:
Hahaha, well played.

I've decided to try YNAB but I think the manual entry will just be a chore I won't want to manage every time I buy a burger for lunch. It's just more stuff to remember to do.
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as a YNAB pro - I can give you this helpful hint...

budget your lunch money and then take some cash out - enter £30 as a transaction in the lunch money catagory and then spend away. £30 may last you a few days or whatever and you only have entered it once.

I budget £6.50 a day for lunches but enter them individually. If it's complicated and we're getting something as a group I might just get cash out instead as I've often got wiggle-room and I'll easily be able to spend the excess cash on lunch the next day and so on.

while I'm on the subject - cash out of the cash-point is a sticking point for budgeting. What I do if I have to take say £100 out at the wall is I enter it as an uncategorized transaction and then when every penny of the £100 cash is spent I then split the entry into multiple catagories until it tallys up. I do this if wer'e say going out for drinks and take a wedge of cash out and end up with some left over - fuel or groceries is an easy way to 'get rid' of excess cash.

people who don't YNAB might find what I've said absolutly barmy by the way - but every £ has been budgeted and given a job so it doesn't matter if it's cash in hand or what - and sometimes you need to 'get rid of' cash in hand.


Again to the people mentioning excel, paper, and other apps - tracking your finances and making pie-charts is not the same as budgeting and assigning 'jobs' to each £ and then tracking it. budgeting is about looking forward; tracking is about looking back.
 
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