I use online bill pay, and a cash envelope for my purse. I transfer money into savings every payday. I leave myself X amount of cash for two weeks for gas and groceries. Any money left in the envelope also goes into savings. It works for me!
I also have a bad reaction to nail polish remover! I just use as little as posible, make sure to wash my hand after, and then I use the Lady Soma Nail treatment after washing my hands. I didnt used to use a moisturizer after nail polish remover, but its a must, because it will leave your hands looking tired
I am an avid fan of You Need a Budget (YNAB). It's a great budgeting program that I've been using for years, and has helped me to budget effectively and progress toward my financial goals. The developer has also adapted the application to the iPhone and iPad, which makes it so easy to capture new entries.
I actually use 3 different tools: Mint.com, HelloWallet, and YNAB (You Need Budget). They all have different purposes. I have used mint.com the longest, so most of my history is there. HelloWallet was free from work, so I use it as a means for guidance on what overall goal I should work on next (in this case building an emergency fund). It helps analyze areas that can use more work (like insurance coverage). YNAB is what I use for day to day because it require manual entry. It helps me better plan and work towards their philosophy of living on last month's income. I'm partly there, but not quite.
I use a journal. It contains our budget and there are sections for various entries concerning savings. It helps me keep track of paying bills and what is in savings monthly. :)
I use Mint.com for a complete financial picture. I like that it sends me emails with graphs of where I spent my money that week. I also like the goal setting tool within it. For my monthly income tracking, I use a simple Excel spreadsheet that I created myself. I just enter where the money came from (employer, freelance client, focus group, etc.) and the amount. Pretty easy.
I would like some kind of software that analyzes my spending every month, though. That way I could concentrate on reducing the budget in various categories. Anyone know a good, free or low cost one?
We don't really care for Scott in our household. For a little more than I'd pay for 12 rolls of Charmin, Quilted Northern or the like, at a NYC store, I can get 32 giant rolls of nice quality Kirkland. The highest price Charmin is itself less than half the price at Costco, but their own Ultra Soft brand is cheaper still.
I recently tried Kirkland tissues -- very nice. Soft, strong enough. I'm not in love with Kirkland paper towels, but every time I have a heart attack looking at the price of a of paper towels at the store, my affection for Kirkland's grows deeper.
My most basic financial tool is balancing my checkbook and checking our receipts against our Visa bill every month. This makes me review all of our spending and it's easy to see if/where we have gone overboard.
I love using mint to track my spending. it really helps me to realize where my money goes! I also like digit (a sort of text app), which analyzes your checking accounts and then figures out how much you won't miss if they squirrel some over into savings. so useful!
The Amazon Warehouse is great for finding things to flip on ebay for profit. I usually use a site called The Forklift (http://theforklift.net) since it tracks deals and price drops.
I use Quicken. It interfaces with my banking and investment accounts and makes data entry easy. Keeps me on track with income, expenses and savings. Easy to use.
I have used self storage for a long time now. One thing that I use it for is to take advantage of sales. When there is a great sale on something like toilet paper. I can buy a ton of it and then put it in storage to keep it without taking up a lot of space in my home. This allows me to get a great price on products that I would otherwise not buy because I would not have the space to store them.
I check my accounts regularly online and add them up with a calculator.
I use online bill pay, and a cash envelope for my purse. I transfer money into savings every payday. I leave myself X amount of cash for two weeks for gas and groceries. Any money left in the envelope also goes into savings. It works for me!
I use You Need A Budget (YNAB). It's been a life-changer!
I also have a bad reaction to nail polish remover! I just use as little as posible, make sure to wash my hand after, and then I use the Lady Soma Nail treatment after washing my hands. I didnt used to use a moisturizer after nail polish remover, but its a must, because it will leave your hands looking tired
My husband uses our online accounts to manage our money and we also pay a lot of our bills online.
I use Mint. It pulls in all of my info and accounts from various sources and consolidates it into one all-up summary. Love it.
I use Mint. It pulls in all of my info and accounts from various sources and consolidates it into one all-up summary. Love it.
I am an avid fan of You Need a Budget (YNAB). It's a great budgeting program that I've been using for years, and has helped me to budget effectively and progress toward my financial goals. The developer has also adapted the application to the iPhone and iPad, which makes it so easy to capture new entries.
I actually use 3 different tools: Mint.com, HelloWallet, and YNAB (You Need Budget). They all have different purposes. I have used mint.com the longest, so most of my history is there. HelloWallet was free from work, so I use it as a means for guidance on what overall goal I should work on next (in this case building an emergency fund). It helps analyze areas that can use more work (like insurance coverage). YNAB is what I use for day to day because it require manual entry. It helps me better plan and work towards their philosophy of living on last month's income. I'm partly there, but not quite.
I mostly use Excel, but I also have a Budget Pulse account, so I can keep track online and see all of my accounts in one place.
I use You Need A Budget Software. I like the envelope method of budgeting and it goes great with Dave Ramsey's principles.
I use a journal. It contains our budget and there are sections for various entries concerning savings. It helps me keep track of paying bills and what is in savings monthly. :)
I have just started manually entering my expenditures using Google Sheets. It's free, and I can access my records from any device.
You must be a crook. Do you know how I know? Because you are a real estate agent and ALL REAL ESTATE AGENTS ARE CROOKS! Cheers!
I use Mint.com for a complete financial picture. I like that it sends me emails with graphs of where I spent my money that week. I also like the goal setting tool within it. For my monthly income tracking, I use a simple Excel spreadsheet that I created myself. I just enter where the money came from (employer, freelance client, focus group, etc.) and the amount. Pretty easy.
I would like some kind of software that analyzes my spending every month, though. That way I could concentrate on reducing the budget in various categories. Anyone know a good, free or low cost one?
We don't really care for Scott in our household. For a little more than I'd pay for 12 rolls of Charmin, Quilted Northern or the like, at a NYC store, I can get 32 giant rolls of nice quality Kirkland. The highest price Charmin is itself less than half the price at Costco, but their own Ultra Soft brand is cheaper still.
I recently tried Kirkland tissues -- very nice. Soft, strong enough. I'm not in love with Kirkland paper towels, but every time I have a heart attack looking at the price of a of paper towels at the store, my affection for Kirkland's grows deeper.
My most basic financial tool is balancing my checkbook and checking our receipts against our Visa bill every month. This makes me review all of our spending and it's easy to see if/where we have gone overboard.
I use Excel spreadsheets that I created to track my household budget and track my debt payoff.
I love using mint to track my spending. it really helps me to realize where my money goes! I also like digit (a sort of text app), which analyzes your checking accounts and then figures out how much you won't miss if they squirrel some over into savings. so useful!
I use a simple Word document that I update daily.
The Amazon Warehouse is great for finding things to flip on ebay for profit. I usually use a site called The Forklift (http://theforklift.net) since it tracks deals and price drops.
I use Quicken to help me with my personal finances. Easy to use!
I use Quicken. It interfaces with my banking and investment accounts and makes data entry easy. Keeps me on track with income, expenses and savings. Easy to use.
Google calendar and an excel spreadsheet
I have used self storage for a long time now. One thing that I use it for is to take advantage of sales. When there is a great sale on something like toilet paper. I can buy a ton of it and then put it in storage to keep it without taking up a lot of space in my home. This allows me to get a great price on products that I would otherwise not buy because I would not have the space to store them.