Budget Advice or Applications
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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...
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.
Thanks, I will look
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.
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!!
Pennies is a good app. I’m using it in the new year!
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
Lonewolves wrote:
Pennies is a good app. I’m using it in the new year!


Will have a look.
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've used 'You Need a Budget' and Money Dashboard and both are good.
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.
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.
Yeah, a one time login would make sense
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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