mommyoftwinboys Posted June 29, 2011 Share Posted June 29, 2011 I'm looking for a budgeting program. I currently use pad and pencil and would love something computerized. The thing is our income changes monthly. My husband is a sales director and our income can change by as much as $1000 a month. We , of course, budget for the lowest he makes and go from there. Do you have a favorite budget software or online program that would work? Quote Link to comment Share on other sites More sharing options...
Lynnette in WA Posted June 29, 2011 Share Posted June 29, 2011 I'm having good luck with You Need A Budget. Their system is kind of an envelope system, and "One of the goals of YNAB is to stop living paycheck to paycheck by living on last month's income." It's working quite well so far. Quote Link to comment Share on other sites More sharing options...
happypamama Posted June 30, 2011 Share Posted June 30, 2011 I love Quicken, preferably an older version (mine is 2001 -- very cheap on e-bay). I tried a newer version and hated it; I can't remember what it was exactly, but the older one lets me tell it how much should be spent in each category (food, gas, etc.), and the new one didn't do that, exactly, or something like that. Quicken lets me download transactions from my bank, and then I assign them to each category. I can keep a running total of how I'm doing in each category per month too. I can also keep separate little accounts in Quicken -- one for each month's budget (and you can set up each month separately if your income changes month to month), one for Christmas expenses, one for each person's personal spending money, etc. Quote Link to comment Share on other sites More sharing options...
Mommy2BeautifulGirls Posted June 30, 2011 Share Posted June 30, 2011 My hubby made us a spreadsheet on Google Docs. We put in the check amount, and when you put in your expenses, it automatically tells you how much is left. I can share it with any who are interested. :001_smile: Quote Link to comment Share on other sites More sharing options...
Cinder Posted June 30, 2011 Share Posted June 30, 2011 Dh is the budget guy here and he likes Money Matters from Crown Financial Ministries. It took a few months to get it tweaked so that it works for us. Dh is also a long time paper ledger user and we've used MM for over 5 years now. Quote Link to comment Share on other sites More sharing options...
Katherine A. Posted June 30, 2011 Share Posted June 30, 2011 My hubby made us a spreadsheet on Google Docs. We put in the check amount, and when you put in your expenses, it automatically tells you how much is left. I can share it with any who are interested. :001_smile: I'm intrested :D We've been looking for a Budgeting Program other then pencil & paper too :001_smile: Quote Link to comment Share on other sites More sharing options...
Mommy2BeautifulGirls Posted June 30, 2011 Share Posted June 30, 2011 I'm intrested :D We've been looking for a Budgeting Program other then pencil & paper too :001_smile: PM me your email address and I will share it with you. Have you ever used Google Docs? Quote Link to comment Share on other sites More sharing options...
carlamom2ansnm Posted June 30, 2011 Share Posted June 30, 2011 I'm having good luck with You Need A Budget. Their system is kind of an envelope system, and "One of the goals of YNAB is to stop living paycheck to paycheck by living on last month's income." It's working quite well so far. I ADORE YNAB.com!! They have a fabulous philosophy, especially if you get varied amounts of income (dh gets hourly, overtime, salary, bonuses, etc). It gets you to living off of LAST month's income so you always know exactly how much income you have to work with. I'd been trying to do this same thing myself for years and I just never got it exactly how I wanted it. YNAB did it for me :). Plus, it's pretty darn cheap! Quote Link to comment Share on other sites More sharing options...
Peela Posted June 30, 2011 Share Posted June 30, 2011 I'm having good luck with You Need A Budget. Their system is kind of an envelope system, and "One of the goals of YNAB is to stop living paycheck to paycheck by living on last month's income." It's working quite well so far. I have YNAB and while i am not actually using it currently (or anything else), I have adopted the strategy of living off last month's income and that is really working well for me. Quote Link to comment Share on other sites More sharing options...
abacus2 Posted June 30, 2011 Share Posted June 30, 2011 Another vote for YNAB. Another poster mentioned downloading bank transactions; YNAB lets you do this. Quote Link to comment Share on other sites More sharing options...
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