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If we're still doing categories, here is what I have in financier and you can now make fun of me: Giving - Charitable Monthly Bills - Mortgage (969.58) Monthly Bills - Home Taxes (240) Monthly Bills - Home Insurance (70) Monthly Bills - Titan (500) Monthly Bills - Phone (47.43) Monthly Bills - Internet (39.95) Monthly Bills - Electricity Monthly Bills - Heating (100) Monthly Bills - Daycare (600-750) Monthly Bills - Cleaning (60) Monthly Bills - Roth IRAs (350) Monthly Bills - 529 plans (120) Monthly Bills - Car Insurance (100) Monthly Bills - Life Insurance (38) Monthly Bills - ATV/Motorcycle Insurance (9) Monthly Bills - Garbage (16) Monthly Bills - Recycling (5) Monthly Bills - Netflix (13.77) Monthly Bills - Amazon Prime (12) Monthly Bills - Sam's Club (4) Monthly Bills - Personal Article Insurance (3) Monthly Bills - Google Drive (1.99) Monthly Bills - Lastpass (3.50) Monthly Bills - Plex (4) Monthly Bills - Youtube Red (10.59) Monthly Bills - Backblaze (5) Monthly Bills - Financier (1) Monthly Bills - Amazon Freetime (8) Monthly Bills - Youtube TV (51) Monthly Bills - Playstation Plus (6) Monthly Bills - Car Wash (28) Monthly Bills - Weight Watchers (19.95) Monthly Bills - iCloud (0.99) Everyday Expenses - Groceries Everyday Expenses - Restaurants Everyday Expenses - Fuel Everyday Expenses - Household Goods (80) Everyday Expenses - Personal (50) Everyday Expenses - Entertainment (50) Everyday Expenses - Entertaining (40) Everyday Expenses - Kids Needs (125) Everyday Expenses - Clothing Everyday Expenses - Kids Entertainment (40) Everyday Expenses - <me> Spending (50) Everyday Expenses - <wife> Spending (50) Everyday Expenses - <kid 1> Spending (20) Everyday Expenses - <kid 2> Spending (20) Everyday Expenses - Fun with friends Everyday Expenses - Pet (30) Everyday Expenses - Misc Everyday Expenses - <kid 1> Birthday - Pappy Everyday Expenses - <kid 2> Birthday - Pappy Everyday Expenses - <kid 1> Sports Everyday Expenses - <kid 2> Sports Everyday Expenses - Magazines Rainy Day Funds - Medical Rainy Day Funds - Fitness Rainy Day Funds - Emergency Fund Rainy Day Funds - Car Maintenance Rainy Day Funds - Home Maintenance Rainy Day Funds - Birthdays Rainy Day Funds - Christmas Rainy Day Funds - Big purchases Rainy Day Funds - Gifts Rainy Day Funds - Taxes Savings Goals - Mortgage Principal Payment Savings Goals - Vacation Savings Goals - Deck replacement Savings Goals - <wife> Eyeballs Savings Goals - Disney Savings Goals - <wife> Phone Savings Goals - Motorcycle Gear Savings Goals - Basement TV Savings Goals - <me> ATV!!!! House Desuckification - Landscaping House Desuckification - Tree removal House Desuckification - Bathroom Project House Desuckification - Basement Upgrades House Desuckification - Residing project House Desuckification - HVAC House Desuckification - Driveway House Desuckification - Garage
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Oct 8, 2019 15:10
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| # ¿ May 18, 2024 06:37 |
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I was way behind on the thread and curious about nYNAB so my wife and I could possibly start using it. It was funny going through all the posts convincing me not to. We've been using financier (https://app.financier.io/) since '15/16, and I think we'll just continue to use that. I'm ok with entering transactions manually, and I'm happy to throw $12/year at them. It's also been open-sourced and there really isn't any active development, but it works well enough for our needs. Someone developed a mobile version of it as well (https://app.fmobile.io/), which works pretty well on my phone. I do own YNAB4, but we never had the classic iphone app so looks like we're out of luck there. I had also paid $99 for lifetime access to budgetwise.io, but I never ended up using it as there were some big things missing for me, but that was years ago. Not sure what the state of it is now.
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Jan 5, 2023 21:08
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apatheticman posted:Does budget wise have a free trial? Weird move to have like zero screen shots or explanation of how it works. 45 day free trial, apparently. 3/mo, 24/year, 99/lifetime. I started re-creating my budget categories in it yesterday just to give it a shot. No real opinion on it yet, I think I'm going to maintain it alongside financier to see how it works, though if it's not appreciably different/better than financier, I probably wouldn't switch over.
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Jan 6, 2023 16:31
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100 HOGS AGREE posted:I still use financier.io, which is 12 bucks a year but probably won't ever be updated again because it hasn't been in quite some time. it's fine, I haven't bothered looking for anything else for a while. I also have been using financier for ~8 years. It's a good very basic zero balance budgeting system, but nothing more than that.
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Aug 12, 2023 01:11
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TheCenturion posted:Wait till you figure out the trick of taking the price of the subscription, dividing it by 12, and allocating that much towards the 'Washington Post Subscription' budget category, which then gets paid out once a year. Man I thought I had a lot of budget categories, but I definitely do not have a "New Tires" category. I am somehow impressed and horrified at the same time. Just checked. We have 93 active budget categories this month.
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Apr 18, 2024 13:37
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DoubleT2172 posted:I'd love to have some examples of things you're making a single budget line. I run 38 and feel like it's a decent amount, thought I just have categories for Auto, Home, Medical, Pets that covers "unexpected" costs like vet bills or an oil change. I did set a separate car tire budget though since the tires for my car are ~$1350 and I wanted to spread that cost out over years I will admit ours is a bit overkill. It's partially due to my wife's, ahem, struggle with spending to a bank balance vs. spending to the budget. Things that she wants I will remind her to add as categories so we don't spend "need money" for wants. It's a constant battle, haha. It helps to keep goals in mind / separate wants vs. needs and keep track of these long-term. There are also several categories we could probably get rid of as they're dormant/no longer applicable/not as important. I removed some from the list due to hyper-specific things that aren't that interesting and changed the names of some categories to protect the innocent. We've got a lot of "Monthly bills", whether or not they are actually monthly. It's a good reminder of what we have active/continue to pay for as we need to budget each month. Giving: Charitable Monthly Bills: Home Improvements (Used to by mortgage, but now we're debt free baby) Monthly Bills: Car payment (Saving ahead, cars are paid for) Monthly Bills: Home Taxes Monthly Bills: Home Insurance Monthly Bills: Phone Monthly Bills: Internet Monthly Bills: Electricity Monthly Bills: Daycare (I think this can be removed - Kid's too old/summer program availibility is pretty bad) Monthly Bills: Cleaning Monthly Bills: 529 plans Monthly Bills: Car Insurance Monthly Bills: Life Insurance Monthly Bills: ATV/Motorcycle Insurance Monthly Bills: Garbage Monthly Bills: Recycling Monthly Bills: Netflix Monthly Bills: Amazon Prime Monthly Bills: Sam's Club Monthly Bills: Personal Article Insurance Monthly Bills: Plex Monthly Bills: Youtube Premium Monthly Bills: Financier Monthly Bills: Amazon Freetime Monthly Bills: Playstation Plus Monthly Bills: Weight Watchers Monthly Bills: Disney+ Monthly Bills: Peloton Monthly Bills: Peacock Monthly Bills: Juice+ Monthly Bills: TWIT Monthly Bills: Apple TV+ Monthly Bills: Classroom Donation Monthly Bills: Spotify Monthly Bills: Youtube TV Monthly Bills: Kid Subscription Boxes (Should be removed) Monthly Bills: Thrive Monthly Bills: iCloud Monthly Bills: Apple TV Everyday Expenses: Groceries Everyday Expenses: Restaurants Everyday Expenses: Fuel Everyday Expenses: Household Goods Everyday Expenses: Personal Everyday Expenses: Wife Personal Everyday Expenses: Wife Hair Everyday Expenses: Entertainment Everyday Expenses: Entertaining Everyday Expenses: Kids Needs Everyday Expenses: Clothing Everyday Expenses: Kids Entertainment Everyday Expenses: Me Spending Everyday Expenses: Wife Spending Everyday Expenses: Son Spending Everyday Expenses: Daugther Spending Everyday Expenses: Fun with friends Everyday Expenses: Wife staff expenses Everyday Expenses: Pet Everyday Expenses: Misc Everyday Expenses: Son Sports Everyday Expenses: Daughter Sports Everyday Expenses: Magazines Everyday Expenses: Kids Pictures Everyday Expenses: Walking Around Money (Pretty much little league baseball concession stand fund at this point in the year) Rainy Day Funds: Emergency Fund Rainy Day Funds: Medical Rainy Day Funds: Fitness Rainy Day Funds: Car Maintenance Rainy Day Funds: Birthdays Rainy Day Funds: Christmas Rainy Day Funds: Gifts Rainy Day Funds: Taxes Rainy Day Funds: Golf Rainy Day Funds: Weddings Rainy Day Funds: Kids Camp Savings Goals: Big Scary (Pretty much a catch-all for "extra money, dump here for big scary goals") Savings Goals: Vacation Savings Goals: Wife Phone (phone replacement, not service) Savings Goals: Son Phone Savings Goals: Nephews spending Savings Goals: Trip goal Savings Goals: Personal beauty thing Savings Goals: Another trip Savings Goals: Another trip House Desuckification: Pool costs
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Apr 18, 2024 16:25
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| # ¿ May 18, 2024 06:37 |
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Boris Galerkin posted:If it works for you it works for you but what even is stuff like this? I really don't get it cause in my mind you're either spending it on food, drinks, or entertainment or shopping. Why does pocket change need to be its own category? I feel like having so many categories with so many misc stuff is a waste of time but hey, if it works for you then that's all that matters I guess. Sirotan posted:I do this for cash withdrawals whenever I hit the ATM (which is rare) since I barely ever use cash, and it is usually so I can pay cash at places like family owned restaurants or when I need to spend a dollar or two on something random that it isn't worth the time to track. This is exactly what we use it for. Having cash on hand for random stuff. As mentioned, right now it's primarily concession stand food as it's child sportball season. This morning it came in handy when my daughter's school had a coffee truck outside. The other week we went to a school art show and bought some fundraising items. It's not necessarily in the budget so we don't run out of money, it's more of a reminder of our plans for said money and convenience to have cash on hand. As my categories show, I like to plan ahead. While I joke that I'm cheap, I absolutely do not mind spending money if it was planned for ahead of time. Walking around money is pretty new to us as a category, but it's been quite successful. A++++ would categorize again.
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Apr 19, 2024 13:53
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