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Old 01-24-2013, 04:32 PM   #1
scbelleatheart
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Do you have a favorite budgeting app

For your Ipad or Iphone ? DH cannot find one he likes. Right now he's just using a spread sheet to record expenses because we have never had a budget. He wants to know how much we need to live on if we both quit working.
Any suggestions? TIA!
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Old 01-24-2013, 05:01 PM   #2
BeachLove
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You want something to help you plan for retirement? Or just you're both deciding to quit jobs at the same time?

If both of you just want to up and quit working its going to be hard no matter how many budgeting tools you use. I think a spreadsheet on the computer is best. I haven't found any free or paid apps I like. I used a spreadsheet to figure out how much I needed to save up if I planed on taking a year off from "life". It was eye-opening to say the least and If I do plan something like that, it would be 6 months off.
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Old 01-24-2013, 07:31 PM   #3
scbelleatheart
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No, not to see how much we have to save for retirement. We are no where close to that. Just how to set a budget and go from there.
Like food, groceries, gas, ect. to plug in numbers vs. what we now spend.
We buy groceries, we pay on our kid's student loans, we pay gas and insurance on 2 kids still in college.
I thought this was a simple question.
DH just decided he would like to know how much we really spent each month.
It could be an eye opener!
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Old 01-24-2013, 07:44 PM   #4
edk35
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Quote:
Originally Posted by scbelleatheart View Post
No, not to see how much we have to save for retirement. We are no where close to that. Just how to set a budget and go from there.
Like food, groceries, gas, ect. to plug in numbers vs. what we now spend.
We buy groceries, we pay on our kid's student loans, we pay gas and insurance on 2 kids still in college.
I thought this was a simple question.
DH just decided he would like to know how much we really spent each month.
It could be an eye opener!

I think it was the way your presented your question in your post. It was unclear as to what you were asking. You said: IF we both quit work? You didn't say what expenses you were looking to budget for in the op like you did in your 2nd post.
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Old 01-24-2013, 07:46 PM   #5
scbelleatheart
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Originally Posted by BeachLove View Post
You want something to help you plan for retirement? Or just you're both deciding to quit jobs at the same time?

If both of you just want to up and quit working its going to be hard no matter how many budgeting tools you use. I think a spreadsheet on the computer is best. I haven't found any free or paid apps I like. I used a spreadsheet to figure out how much I needed to save up if I planed on taking a year off from "life". It was eye-opening to say the least and If I do plan something like that, it would be 6 months off.
To clarify, we own a small corporation. Thinking about selling it. We own everything and owe nothing. All the buildings and property are paid for as is our home and all vehicles. We owe nothing to anyone.
Quit "our jobs" would be selling our business and property".
Sorry you misunderstood, we own a a very good business but I worry about my DH stress over it.
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Old 01-24-2013, 07:57 PM   #6
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I like EEBA. They have a website to use along with the app. And the first 10 envelops are free!

As for paid, DH likes MoneyWise but I find it confusing. I am glad he likes it though.
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Old 01-25-2013, 06:42 AM   #7
mrodgers
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For budgeting I use Excel. There isn't any budgeting software that can be as customizable as Excel. My budget spreadsheet is very elaborate with conditional formatting, auto calculations, etc. I can see exactly which paycheck needs to pay a bill (paid weekly between the 2 of us), it flags the balance amount if I am below a level I set in a particular category (example, I have $600 at all times for heating oil and when I pay out of that category and am below the $600 amount, the balance amount shows red.)

I looked at various apps and programs and I do a lot more and simpler with Excel.
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Old 01-25-2013, 07:15 AM   #8
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Originally Posted by worm761 View Post
I like EEBA. They have a website to use along with the app. And the first 10 envelops are free!
I use this and really like it too. It works on apple products and android as well as being able to use it online. I really like that DH and I can each have it on our phones and it syncs.

This is mostly to keep track of spending once you allocate an amount though. To do up our initial budget I used Gail Vaz-Oxlade's budget tool.

http://www.gailvazoxlade.com/resourc...worksheet.html

At the bottom you can download an Excel version. The "jar money" that they calculate at the bottom right is the numbers I use in the EEBA software.
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Old 01-25-2013, 07:40 AM   #9
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If you want to add up what you really spend...try Quicken (but it's not for phone or tablet). I use it to keep track of spending and IT IS an eye opener. We use CC for everything and download transactions.
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Old 01-28-2013, 02:42 PM   #10
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We use mint and its awesome. You put in your information and it tells you how much in each category you have left to spend/pay each month.

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Old 01-30-2013, 12:12 PM   #11
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We use mint and its awesome. You put in your information and it tells you how much in each category you have left to spend/pay each month.

Stacy
I've also been using Mint because I love how it tracks investments as well as credit cards, bank accts, etc.

What I wish I could find on it though is a way to put our money into "buckets" from our paychecks. Do you know if there is a way to do that?

I'd love to be able to say that this check contains $200 for vacation fund, $500 for house payment, $100 for eating out, etc. But I haven't been able to find out a way to do that.

Is it possible? Or am I just thinking about it all wrong!
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Old 01-30-2013, 01:10 PM   #12
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I've also been using Mint because I love how it tracks investments as well as credit cards, bank accts, etc.

What I wish I could find on it though is a way to put our money into "buckets" from our paychecks. Do you know if there is a way to do that?

I'd love to be able to say that this check contains $200 for vacation fund, $500 for house payment, $100 for eating out, etc. But I haven't been able to find out a way to do that.

Is it possible? Or am I just thinking about it all wrong!
I don't believe there is anything like that on mint.

You could think about it over the course of the month rather than for a specific paycheck. Then you could just set up budgets for those categories. For that month it will tell you what your total income was and then you could see which budgets that income went toward. Ex. $500 house payment, $200 vacation fund, $100 dining, and the rest left over for other expenses.

For something like the vacation fund you could set up a goal and add $200 to it each paycheck. Goals are nice because they fill in, so you can watch it grow until you reach the amount you set.
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Old 01-30-2013, 02:26 PM   #13
ski_mom
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I don't believe there is anything like that on mint.

You could think about it over the course of the month rather than for a specific paycheck. Then you could just set up budgets for those categories. For that month it will tell you what your total income was and then you could see which budgets that income went toward. Ex. $500 house payment, $200 vacation fund, $100 dining, and the rest left over for other expenses.

For something like the vacation fund you could set up a goal and add $200 to it each paycheck. Goals are nice because they fill in, so you can watch it grow until you reach the amount you set.
Thanks! I'll have to experiment with that a little. We basically have a few categories set up that we put money into each month and they take from them a few times a year - vacation, property taxes, auto and home insurance, etc.

The goals area might just work! Thanks for the suggestion!
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Old 02-08-2013, 11:21 PM   #14
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we use mint dot com website and app. Love it!
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Old 02-09-2013, 12:22 AM   #15
Tinkerbellie16
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I have tried to use apps but my spreadsheet has proved the best - for over 10 years! I think the reason it works so well is that I must track all expenses (and income) daily. So I HATE spending money because I have to update my spreadsheet Just my thoughts.
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