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So a site like youneedabudget would not be useful either to you?

• system2 5y ago
  No. After long years of trying to fix my financial life, I am sure of one thing that apps do not help. Simplifying it with a simple excel sheet is way more efficient because it is much more simple, realistic and more flexible too. Simple math, you make X, spend Y. If there is a new expense, add a new line in excel and finished. I tried many of these apps in the past. Excel wins every time. (For me.)