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Thank you I will have try this out and go in with a positive mindset that it's a structured and objective system and I can't honestly say where my money is goin
by sizzle 6y ago
Thank you I will have try this out and go in with a positive mindset that it's a structured and objective system and I can't honestly say where my money is going today which is causing me to spend money frivolously on things I don't really need.
Honestly I might just make an Excel spreadsheet and track monthly credit card billing statements and total income/month and net profit after debits (bills, living expenses, etc.)
Think this would work like YNAB to a degree until I'm fully invested in budgeting?
- hestefisk 6y agoI have tried a few of these budgeting applications. Unless you have a large amount of bank accounts in different banks, investments with asset managers etc, it is just as easy to process it in Excel. I just download my monthly bank transactions and import them into an Excel flat file. Each item I tag against an expense hierarchy. Then I run a simple pivot table to compare spend over time. It’s not as fast, but it’s free, very flexible and I’m not bound by predetermined rules.