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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: 18944
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
Posts: 19654
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: 18944
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: 10465
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: 11615
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: 51860
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: 18944
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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Kovacs: From 'unresponsive' to 'kebab' in 3.5 seconds


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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: 18944
Location: shropshire, uk
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: 2008
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: 2137
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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Everybodys gilf

Joined: 30th Mar, 2008
Posts: 47255
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: 2008
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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Everybodys gilf

Joined: 30th Mar, 2008
Posts: 47255
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: 20147
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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