How I took control of my personal finances. Simplicity in money saving

Re:How I took control of my personal finances. Simplicity in... by new_hackers on Friday January 08, 2016 @11:08AM (#10865836)

If people are looking for an app, I'd recommend YNAB

https://www.youneedabudget.com/

It has worked for me. Dead simple philosophy: the money you earn this month you get to spend next month. Helps break the cycle of debt, and also has given me visibility into my daily spending.

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Re:How I took control of my personal finances. Simplicity in... by malnourish on Friday January 08, 2016 @11:57AM (#10866279)

I've used YNAB for over a year and I don't understand it like that. I allocate to different savings (bills, rainy day, etc) and spending (games, eating out, etc) categories and spend from those. Could you explain what you mean about that philosophy? I may be able to further improve my budgeting.

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Re:How I took control of my personal finances. Simplicity in... by joshstrange on Friday January 08, 2016 @11:12AM (#10865865)

Seconded, I'm a big fan of YNAB (classic, web isn't ready yet)

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Re:How I took control of my personal finances. Simplicity in... by NeonVice on Friday January 08, 2016 @11:36AM (#10866087)

I love YNAB and would love to use it in the cloud. It's a shame that it is isn't up to snuff yet and is $45/year. It would be great if someone came out with a cloned competitor.

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Re:How I took control of my personal finances. Simplicity in... by mrlase on Friday January 08, 2016 @12:07PM (#10866369)

I started working on one a week ago.

What are the main features you'd like to see that were left out from YNAB 4?

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Re:How I took control of my personal finances. Simplicity in... by koshyk on Friday January 08, 2016 @11:16AM (#10865898)

yes, but at first glance, it looks complicated. Im a lazy person, so my goal was to create a very basic, but dead simple system to keep track of my expenses

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