| Register  | FAQ  | Search | Login 
It is currently Fri Jul 03, 2015 3:38 am

All times are UTC - 6 hours [ DST ]




Post new topic Reply to topic  [ 33 posts ]  Go to page Previous  1, 2
Author Message
 Post subject: Re: Starting a budget (mint.com and others)
PostPosted: Sat Jan 04, 2014 7:21 pm 
Offline
Dr Bronners, MD
User avatar

Joined: Wed Oct 20, 2010 2:36 pm
Posts: 4672
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.

_________________
@amandabear / illustration portfolio / will draw for cookies / more tea wesley?

"I'm now officially wafflesexual." - booberthefraggle


Top
 Profile  
 
 Post subject: Re: Starting a budget (mint.com and others)
PostPosted: Sat Jan 04, 2014 7:57 pm 
Offline
Dr Bronners, MD
User avatar

Joined: Wed Oct 20, 2010 2:46 pm
Posts: 4819
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.)

_________________
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


Top
 Profile  
 
 Post subject: Re: Starting a budget (mint.com and others)
PostPosted: Wed Dec 31, 2014 1:59 pm 
Offline
Not a creepy cheese pocket person
User avatar

Joined: Wed Oct 20, 2010 2:17 pm
Posts: 4327
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.


Top
 Profile  
 
 Post subject: Re: Starting a budget (mint.com and others)
PostPosted: Mon Jan 12, 2015 11:07 am 
Offline
Hoards Peppermint Jo-Jos
User avatar

Joined: Thu Nov 18, 2010 12:44 pm
Posts: 780
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.


Top
 Profile  
 
 Post subject: Re: Starting a budget (mint.com and others)
PostPosted: Mon Jan 12, 2015 1:43 pm 
Offline
Dr Bronners, MD
User avatar

Joined: Wed Oct 20, 2010 2:46 pm
Posts: 4819
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!

_________________
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


Top
 Profile  
 
 Post subject: Re: Starting a budget (mint.com and others)
PostPosted: Mon Feb 02, 2015 5:46 pm 
Offline
Hoards Peppermint Jo-Jos
User avatar

Joined: Thu Nov 18, 2010 12:44 pm
Posts: 780
Location: Jungles of America
I don't understand how my spending keeps rising with my income. I feel like I live about the same lifestyle I did in college. Except I spent about 8K a year in college (not counting tuition) and I spend about 5 times as much now to live the same way.

I feel like the only real difference is that I have health care, dental insurance, a retirement account, and I'm paying down my student debt now. I'm probably just being impatient. I seem to be saving money so far this year (hopefully won't need a new car soon or have any more surgeries), so maybe things will improve soon.


Top
 Profile  
 
 Post subject: Re: Starting a budget (mint.com and others)
PostPosted: Mon Feb 02, 2015 9:40 pm 
Offline
Brain Made of Raw Seitan
User avatar

Joined: Tue Oct 22, 2013 5:33 pm
Posts: 1273
Location: Reno
Tigon wrote:
I don't understand how my spending keeps rising with my income. I feel like I live about the same lifestyle I did in college. Except I spent about 8K a year in college (not counting tuition) and I spend about 5 times as much now to live the same way.

I feel like the only real difference is that I have health care, dental insurance, a retirement account, and I'm paying down my student debt now. I'm probably just being impatient. I seem to be saving money so far this year (hopefully won't need a new car soon or have any more surgeries), so maybe things will improve soon.


All of the things you listed + inflation probably play a pretty big part!

_________________
Armpit lickers unite! - linalil
New Ickle Baby Blog: My Vegan Freezer


Top
 Profile  
 
 Post subject: Re: Starting a budget (mint.com and others)
PostPosted: Tue Feb 03, 2015 6:25 am 
Offline
Has it on Blue Vinyl
User avatar

Joined: Wed Oct 20, 2010 2:39 pm
Posts: 2109
Location: Missouri
I really like Gail Vaz Oxlade's budget sheets: http://www.gailvazoxlade.com/resources.html. I'm also trying to get in the habit of writing down every purchase and expense. I find I forget easily if I bought something, and then get surprised with a lower balance than I expected. I tried Mint and a few other programs, but I remember things so much better if I just write them down, plus this way I can use cash and just forget what I spent it on. I did find Mint's notifications are delayed and half the time it gets locked out of my bank account. And You Need A Budget just kind of made me feel bad for not having a lot of savings.

_________________
I was really surprised the first time I saw a penis. After those banana tutorials, I was expecting something so different. -Tofulish

The Themysciran - my geek blog


Top
 Profile  
 
Display posts from previous:  Sort by  
Post new topic Reply to topic  [ 33 posts ]  Go to page Previous  1, 2

All times are UTC - 6 hours [ DST ]


Who is online

Users browsing this forum: No registered users and 4 guests


You cannot post new topics in this forum
You cannot reply to topics in this forum
You cannot edit your posts in this forum
You cannot delete your posts in this forum

Search for:
Jump to:  
Powered by phpBB © 2000, 2002, 2005, 2007 phpBB Group
Template made by DEVPPL/ThatBigForum and fancied up by What Cheer