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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| Budget Advice or Applications https://www.beexcellenttoeachother.com/forum/viewtopic.php?f=3&t=11292 |
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| Author: | KovacsC [ Thu Dec 27, 2018 10:16 ] |
| Post subject: | Budget Advice or Applications |
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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| Author: | Mimi [ Thu Dec 27, 2018 10:57 ] |
| Post subject: | Re: Budget Advice or Applications |
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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| Author: | KovacsC [ Thu Dec 27, 2018 11:01 ] |
| Post subject: | Re: Budget Advice or Applications |
Thanks, I will look |
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| Author: | devilman [ Thu Dec 27, 2018 11:46 ] |
| Post subject: | Re: Budget Advice or Applications |
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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| Author: | Bobbyaro [ Thu Dec 27, 2018 12:58 ] |
| Post subject: | Re: Budget Advice or Applications |
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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| Author: | myp [ Thu Dec 27, 2018 14:28 ] |
| Post subject: | Re: Budget Advice or Applications |
Pennies is a good app. I’m using it in the new year! |
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| Author: | KovacsC [ Thu Dec 27, 2018 17:51 ] |
| Post subject: | Re: Budget Advice or Applications |
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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| Author: | KovacsC [ Thu Dec 27, 2018 17:51 ] |
| Post subject: | Re: Budget Advice or Applications |
Lonewolves wrote: Pennies is a good app. I’m using it in the new year! Will have a look. |
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| Author: | JBR [ Sat Dec 29, 2018 18:47 ] |
| Post subject: | Re: Budget Advice or Applications |
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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| Author: | Jem [ Sat Dec 29, 2018 19:12 ] |
| Post subject: | Re: Budget Advice or Applications |
I've used 'You Need a Budget' and Money Dashboard and both are good. |
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| Author: | Cras [ Sat Dec 29, 2018 19:17 ] |
| Post subject: | Re: Budget Advice or Applications |
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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| Author: | JBR [ Sat Dec 29, 2018 19:24 ] |
| Post subject: | Re: Budget Advice or Applications |
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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| Author: | Cras [ Sat Dec 29, 2018 19:29 ] |
| Post subject: | Re: Budget Advice or Applications |
Yeah, a one time login would make sense |
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| Author: | Trooper [ Sat Dec 29, 2018 20:01 ] |
| Post subject: | Re: Budget Advice or Applications |
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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| Author: | KovacsC [ Fri Feb 22, 2019 13:23 ] |
| Post subject: | Re: Budget Advice or Applications |
Trying money dashbaord. YNAB is $83 a year.. |
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| Author: | Findus Fop [ Fri Feb 22, 2019 13:36 ] |
| Post subject: | Re: Budget Advice or Applications |
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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| Author: | MrChris [ Fri Feb 22, 2019 14:49 ] |
| Post subject: | Re: Budget Advice or Applications |
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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| Author: | Grim... [ Fri Feb 22, 2019 15:45 ] |
| Post subject: | Re: Budget Advice or Applications |
Waiting a day before buying things works well for me. |
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| Author: | GazChap [ Fri Feb 22, 2019 16:16 ] |
| Post subject: | Re: Budget Advice or Applications |
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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| Author: | KovacsC [ Fri Feb 22, 2019 16:23 ] |
| Post subject: | Re: Budget Advice or Applications |
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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| Author: | Grim... [ Fri Feb 22, 2019 16:28 ] |
| Post subject: | Re: Budget Advice or Applications |
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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| Author: | KovacsC [ Fri Feb 22, 2019 16:48 ] |
| Post subject: | Re: Budget Advice or Applications |
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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| Author: | JBR [ Fri Feb 22, 2019 21:23 ] |
| Post subject: | Re: Budget Advice or Applications |
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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| Author: | Sir Taxalot [ Mon Feb 25, 2019 2:45 ] |
| Post subject: | Re: Budget Advice or Applications |
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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