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 Post subject: Budget Advice or Applications
PostPosted: Thu Dec 27, 2018 10:16 
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Fitness Nut...

Joined: 25th Sep, 2008
Posts: 18966
Location: shropshire, uk
I am after advice for budget applications.

I am incredibly bad with money, and I want to sort it out, clear a few debts and start saving.

It is quite embarrassing to admit as a 40 year old man...

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 Post subject: Re: Budget Advice or Applications
PostPosted: Thu Dec 27, 2018 10:57 
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Joined: 27th Mar, 2008
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My friends use something called You Need A Budget and after looking at loads of options say that it is the most amazing budgeting tool they’ve ever used.

I’ve not seen it myself, but they are some of the most ‘together’ people I know, and the fact that I’ve seeb them talk about it so emphatically several times makes me think it must be great.

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 Post subject: Re: Budget Advice or Applications
PostPosted: Thu Dec 27, 2018 11:01 
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Fitness Nut...

Joined: 25th Sep, 2008
Posts: 18966
Location: shropshire, uk
Thanks, I will look

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 Post subject: Re: Budget Advice or Applications
PostPosted: Thu Dec 27, 2018 11:46 
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Comfortably Dumb

Joined: 30th Mar, 2008
Posts: 10519
Location: Sunny Stoke
For savings, particularly when saving towards a goal, I use Bucket. Just a simple, free app to track savings and record payments towards a goal.

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 Post subject: Re: Budget Advice or Applications
PostPosted: Thu Dec 27, 2018 12:58 
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Ticket to Ride World Champion

Joined: 18th Apr, 2008
Posts: 11641
KovacsC wrote:
I am after advice for budget applications.

I am incredibly bad with money, and I want to sort it out, clear a few debts and start saving.

It is quite embarrassing to admit as a 40 year old man...



I think I've figured out the problem!!

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 Post subject: Re: Budget Advice or Applications
PostPosted: Thu Dec 27, 2018 14:28 
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Lupine member

Joined: 27th Mar, 2008
Posts: 52222
Location: Nottingham
Pennies is a good app. I’m using it in the new year!

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 Post subject: Re: Budget Advice or Applications
PostPosted: Thu Dec 27, 2018 17:51 
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Fitness Nut...

Joined: 25th Sep, 2008
Posts: 18966
Location: shropshire, uk
Bobbyaro wrote:
KovacsC wrote:
I am after advice for budget applications.

I am incredibly bad with money, and I want to sort it out, clear a few debts and start saving.

It is quite embarrassing to admit as a 40 year old man...



I think I've figured out the problem!!


Yes indeed

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 Post subject: Re: Budget Advice or Applications
PostPosted: Thu Dec 27, 2018 17:51 
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Fitness Nut...

Joined: 25th Sep, 2008
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Lonewolves wrote:
Pennies is a good app. I’m using it in the new year!


Will have a look.

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 Post subject: Re: Budget Advice or Applications
PostPosted: Sat Dec 29, 2018 18:47 
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Soopah red DS

Joined: 2nd Jun, 2008
Posts: 2030
I use Chip for automatic savings. It's an app - I have the android version. And you have to trust it, and give it access to one of your accounts - as in, type in your full details there, which gave me pause.

But otherwise, it looks at your balance, spending habits etc., and then takes money out regularly (prompting you each time, in advance, so you can cancel any individual transaction). You can set it to take out a "low", or "high" (which has never been above £25 for me, even though I just have a set amount sitting in the account, nothing moving, so if it were totally dumb, it would go "right, you're not using that, I'm going to yoink most of it") amount.

So long as it's not pushing you into trouble, it gradually builds up a balance.

I should have a referral link somewhere, but never mind that - https://getchip.uk.


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 Post subject: Re: Budget Advice or Applications
PostPosted: Sat Dec 29, 2018 19:12 
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sneering elitist

Joined: 25th May, 2014
Posts: 2160
Location: Broseley
I've used 'You Need a Budget' and Money Dashboard and both are good.

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 Post subject: Re: Budget Advice or Applications
PostPosted: Sat Dec 29, 2018 19:17 
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Joined: 30th Mar, 2008
Posts: 47442
Any products that link directly to your bank account shouldn't need your full online banking details anymore. It's been a requirement since the start of this year for banks to support an oauth based method for delegating API access to third parties.

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 Post subject: Re: Budget Advice or Applications
PostPosted: Sat Dec 29, 2018 19:24 
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Soopah red DS

Joined: 2nd Jun, 2008
Posts: 2030
Cras wrote:
Any products that link directly to your bank account shouldn't need your full online banking details anymore. It's been a requirement since the start of this year for banks to support an oauth based method for delegating API access to third parties.


It may be because they have to take money out? Or I am misremembering, and only had to login once (which wouldn't give full details, because it would only have a selection from my memorable word).

I figured the fact the thing exists is because of the open banking stuff, though.


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 Post subject: Re: Budget Advice or Applications
PostPosted: Sat Dec 29, 2018 19:29 
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Commander-in-Cheese

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Yeah, a one time login would make sense

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 Post subject: Re: Budget Advice or Applications
PostPosted: Sat Dec 29, 2018 20:01 
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ugvm'er at heart...

Joined: 4th Mar, 2010
Posts: 20346
I expect the pulling money out is just a direct debit, as those can be for varying amounts and varying frequencies.


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 Post subject: Re: Budget Advice or Applications
PostPosted: Fri Feb 22, 2019 13:23 
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Fitness Nut...

Joined: 25th Sep, 2008
Posts: 18966
Location: shropshire, uk
Trying money dashbaord. YNAB is $83 a year..

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 Post subject: Re: Budget Advice or Applications
PostPosted: Fri Feb 22, 2019 13:36 
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Prince of Fops

Joined: 14th May, 2009
Posts: 2454
JBR wrote:
I use Chip for automatic savings. It's an app - I have the android version. And you have to trust it, and give it access to one of your accounts - as in, type in your full details there, which gave me pause.

But otherwise, it looks at your balance, spending habits etc., and then takes money out regularly (prompting you each time, in advance, so you can cancel any individual transaction). You can set it to take out a "low", or "high" (which has never been above £25 for me, even though I just have a set amount sitting in the account, nothing moving, so if it were totally dumb, it would go "right, you're not using that, I'm going to yoink most of it") amount.

So long as it's not pushing you into trouble, it gradually builds up a balance.

I should have a referral link somewhere, but never mind that - https://getchip.uk.


I signed up for this (forgetting to use the referral, sorry!)

It seems neat and has saved me £60 over the last few weeks - but unfortunately I've started using it in a particularly sticky month for big outgoings, so I've been having to dip into savings anyway. So I've paused it until things are a touch more even.


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 Post subject: Re: Budget Advice or Applications
PostPosted: Fri Feb 22, 2019 14:49 
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INFINITE POWAH

Joined: 1st Apr, 2008
Posts: 30176
Have you tried just spending less money?

I'm not being facetious (for once), but I found just asking myself "do I need this" in relation to every single thing I spend money on created a bit of a paradigm shift

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 Post subject: Re: Budget Advice or Applications
PostPosted: Fri Feb 22, 2019 15:45 
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Est. 1978

Joined: 27th Mar, 2008
Posts: 65935
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Waiting a day before buying things works well for me.

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 Post subject: Re: Budget Advice or Applications
PostPosted: Fri Feb 22, 2019 16:16 
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gooby pls

Joined: 30th Mar, 2008
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Grim... wrote:
Waiting a day before buying things works well for me.

That must suck when you're getting a bus ticket.

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 Post subject: Re: Budget Advice or Applications
PostPosted: Fri Feb 22, 2019 16:23 
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Fitness Nut...

Joined: 25th Sep, 2008
Posts: 18966
Location: shropshire, uk
MrChris wrote:
Have you tried just spending less money?

I'm not being facetious (for once), but I found just asking myself "do I need this" in relation to every single thing I spend money on created a bit of a paradigm shift


Yes.

I just need a ‘tool’ to assist with working out. How much i am spending. Without having to use spreadsheets.

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 Post subject: Re: Budget Advice or Applications
PostPosted: Fri Feb 22, 2019 16:28 
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GazChap wrote:
Grim... wrote:
Waiting a day before buying things works well for me.

That must suck when you're getting a bus ticket.

I suspect it would if I got a bus to 2005 ;)

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 Post subject: Re: Budget Advice or Applications
PostPosted: Fri Feb 22, 2019 16:48 
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Fitness Nut...

Joined: 25th Sep, 2008
Posts: 18966
Location: shropshire, uk
MrChris wrote:
Have you tried just spending less money?

I'm not being facetious (for once), but I found just asking myself "do I need this" in relation to every single thing I spend money on created a bit of a paradigm shift


I over spent last year and put more money than I should on credit cards. I want to get out of the debt and have savings.

Happily changing to being a lot more frugal. Been through all my household bills and reduced them, cancelled sky etc and gone on to freeview with netflix. etc

I have cleared the arrears I got myself into (yes I fucked up). The small payrise will help, as I will save that each month.

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 Post subject: Re: Budget Advice or Applications
PostPosted: Fri Feb 22, 2019 21:23 
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Soopah red DS

Joined: 2nd Jun, 2008
Posts: 2030
Findus Fop wrote:
I signed up for this (forgetting to use the referral, sorry!)

It seems neat and has saved me £60 over the last few weeks - but unfortunately I've started using it in a particularly sticky month for big outgoings, so I've been having to dip into savings anyway. So I've paused it until things are a touch more even.


Just glad to see it might be helpful. And wise to manage it - if it gets you to think about managing money, then all to the good.


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 Post subject: Re: Budget Advice or Applications
PostPosted: Mon Feb 25, 2019 2:45 
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Can you dig it?

Joined: 5th Apr, 2008
Posts: 3383
MrChris wrote:
Have you tried just spending less money?

I'm not being facetious (for once), but I found just asking myself "do I need this" in relation to every single thing I spend money on created a bit of a paradigm shift


It's good to wait, or even sometimes just to deny oneself a purchase - I do that quite often.

The problem is.... I'm not really the one that spends the money on things. This may take some careful approach. There's a popular book out here called the 'Barefoot Investor' that a lot of people rave about, which I think we will try (the book has already been bought, so...)


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