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Re:Ask HN: How do you manage and budget your monthly income by leet_thow on Saturday January 02, 2021 @10:44PM (#25619196)
Use personalcapital.com to track everything.

Put all charges onto a sold rewards card, Costco Visa in my case.

Pay off credit card every paycheck and put the rest into Ally Invest account.

Buy Etfs to maintain the balance of a solid portfolio.

Examine monthly budget from personalcapital.com and finds ways to trim expenses.

Re:Ask HN: How do you manage and budget your monthly income by orky56 on Sunday January 03, 2021 @01:26AM (#25619972)
My strategy nearly matches this comment. I'd also set all bill payments to autopay so you avoid any late fees/delinquent accounts which needlessly hurts your credit. I highly encourage you to list out your regular monthly expense categories and write out what that is (e.g. mortgage/utilities/subscriptions), add that all up, and then see what the delta is every month so you know where your discretionary spending is going. Even better is to have a financial goal with a finite number so you know how you are progressing towards it (e.g. emergency fund, vacation fund, retirement, etc).