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Old 01-24-2013, 05:32 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, 06:01 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, 08:31 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, 08:44 PM   #4
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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, 08:46 PM   #5
scbelleatheart
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Quote:
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, 08:57 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, 07:42 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, 08:15 AM   #8
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Quote:
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, 08:40 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 01-25-2013, 10:59 AM   #10
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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.
Quicken 2013 syncs with computer, tablet, and smartphone.
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Old 01-28-2013, 09:37 AM   #11
tzolkin
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Not sure if this is the type of thing you're looking for but we use mint.com

I used to use Quicken and find it similar, but it's much more convenient.


Transactions are automatically added from your bank, CCs, loans, investments, etc. You categorize each item and then you can track exactly how much you spend on each category.

You can also set up monthly budgets for whatever you like (groceries, bills, car, dining out, etc). Each one appears as a bar that fills in with each dollar you spend. It also emails you weekly updates tracking your spending.

DH was never involved in our finances before, but he really loves using the mint app because it lets him know exactly what we have and what we are spending. Having the app on his ipod is really convenient, but I usually use the computer to access everything.
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Old 01-28-2013, 02:33 PM   #12
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I use the iphone app AceBudget.

I think the cost is $1.99 but very much worth it!

I have been using it for years. I think there is a free trial version of it
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Old 01-28-2013, 02:49 PM   #13
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For budgeting like "How much more can I spend on Groceries this month and what is the average of our Utilities for the past 3 months ....." I use YNAB (You Need a Budget.

It syncs with our computers and phones, so we can see how we're doing up tot he minute if we head out shopping.

It doesn't do much for tracking investments or any of that sort of thing but for keeping control of month to month spending I like it better than anything else I've ever tried.
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Old 01-28-2013, 03:42 PM   #14
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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, 01:12 PM   #15
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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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