This is pretty much true for every single person in every single financial situation. Whether you’re a millionaire, or paycheck to paycheck, or homeless. You need to understand where your money is coming from and where it’s going.
This is pretty much true for every single person in every single financial situation. Whether you’re a millionaire, or paycheck to paycheck, or homeless. You need to understand where your money is coming from and where it’s going.
There is also local budgeting software out there. Buckets is a nice version for the “envelope” system. If you want to sync to your accounts, they offer a $15/yr service to do that called simplefin. The software itself is free to use forever, but a license is $64 when you feel like paying. Not limited like shareware, just a generous business model.
You can also go with Actual budget, a self hosted and FOSS budgeting software, fully free. It can also use simplefin to sync accounts.
Simplefin is new to me! I downloaded buckets but didn’t really get past setup because I need sync, it’s just infeasible otherwise with how many accounts I have.