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 Post subject: Re: Starting a budget (mint.com and others)
PostPosted: Sat Jan 04, 2014 7:21 pm 
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Dr Bronners, MD
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Joined: Wed Oct 20, 2010 2:36 pm
Posts: 4648
Location: Philadelphia
Amy wrote:
I tried mint a couple years ago but wound up canceling it. Partly because I didn't like it being linked to all my accounts, but more because it was always a little bit behind me. I'd get a "WARNING: LOW ACCOUNT BALANCE!" email and freak out, but then realize that my balance was only low three days ago, before I got paid. I don't need warnings for that; I know I'm poor the day before payday.

This is pretty much why I don't use Mint anymore. It never seemed in sync with my accounts and it would scare the crepe out of me. Now I just keep track of my checking account in a Numbers spreadsheet, which works well enough for my purposes, although now I'm looking at YNAB and that's kind of intriguing.

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 Post subject: Re: Starting a budget (mint.com and others)
PostPosted: Sat Jan 04, 2014 7:57 pm 
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Vegan Vegan Vegan Vegan Vegan
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Joined: Wed Oct 20, 2010 2:46 pm
Posts: 4539
Location: 5 mi east of philly
it's really customizable.

for example, with EEBA, we had one envelope for budgeting credit card interest and another envelope for paying down balances. it was a round-about way of dealing with it that doesn't necessarily jive with the software, and once we got all the balances down to a 0% APR, neither of those envelopes were particularly useful. that combined with not actually showing the negative balances, i think made mr. carrot think we had more money than we really did, so he relaxed and didn't pay attention. now that he'll know that the money will eventually go toward a card, i'm thinking he'll do better. one of the cards has about $3000 where the 0% APR expires in april, so we actually have an obvious place to budget for that particular card (aside from my head.)

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I solved it for once and for all -- and for everyone -- by intentionally leaving behind some 9-lives burritos... ~Lorelei4mc
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 Post subject: Re: Starting a budget (mint.com and others)
PostPosted: Wed Dec 31, 2014 1:59 pm 
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Not a creepy cheese pocket person
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Joined: Wed Oct 20, 2010 2:17 pm
Posts: 4151
Location: Austin
For anyone who has taking control of budgeting/money stuff as a goal for 2015, You Need a Budget is 75% off on Steam today.


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 Post subject: Re: Starting a budget (mint.com and others)
PostPosted: Mon Jan 12, 2015 11:07 am 
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Not NOT A Furry
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Joined: Thu Nov 18, 2010 12:44 pm
Posts: 489
Location: Jungles of America
I don't really keep a budget, but I did make a resolution to save some money this year. For two years I've been spending more than I make and dipping into savings. I think I can put away $500 a month this year though. Hopefully if I do that for a couple years I will have a down-payment for a house.


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 Post subject: Re: Starting a budget (mint.com and others)
PostPosted: Mon Jan 12, 2015 1:43 pm 
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Vegan Vegan Vegan Vegan Vegan
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Joined: Wed Oct 20, 2010 2:46 pm
Posts: 4539
Location: 5 mi east of philly
our budget went out the window last year. we've been pausing paying down the credit cards since october 2013 (but amazingly, we've only increased them $1000!!)

1) we had one bathroom "bath-fittered" (that was in the plan)
2) then, we had to repair burst pipes on our 2nd floor because of no insulation in the roof combined with the arctic thingy.
3) THEN we found out there was rot once we pulled the rest of the insulation down and had to replace part of the roof and we said fork it, and had all the shingles replaced too (cause the old stuff wouldn't have been consistent with the new roof section)
4) then we went through with the planned spray-on insulation and new AC/heater (we had been working with a 40 year old inefficient system.) we qualified for a $10,000 0% 10 year eco upgrade home loan, so that's nice. even though it's more debt, it'll be easy to ignore as we pay $83/month on it.
5) then we went through with the upstairs bath fitters that we had already scheduled.

we thought we were done with expensive stuff... then mr. carrot's car died. :-( i borrowed $3000 from my dad, and mr. carrot's dad got a bonus from work that he shared with us, so we were in a good position to get a used 2006 honda hybrid.

so, i guess we did increase our debt $14,000 but it doesn't really feel like it. *sigh* debt sucks. YNAB gets confusing when you're not actually paying down the "pre-ynab debt." oops!

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I solved it for once and for all -- and for everyone -- by intentionally leaving behind some 9-lives burritos... ~Lorelei4mc
supercarrot.com, vegan groupony things, vegan coupons


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