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Thread: You Need a Budget

  1. #41
    Tart JoyW's Avatar
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    I use my debit card for everything - he uses cash for everything. I could track my spending through the bank account no problem at all. Finding out what he spends his cash on might be more difficult, but maybe I could get him to give me his receipts.
    We're getting away with it all messed up
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  2. #42
    Full Sponsor RealCranky's Avatar
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    My in-laws carried tiny notebooks and wrote everything down.
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  3. #43
    Heartless Wench Alice Chalmers's Avatar
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    It doesn't necessarily matter all that much what he's spending it on. Just make a budget category "Rael's Cash" and call it good. One of the pitfalls people make in budgeting is getting way too granular. I started out separating electric, internet, phones, rent, etc but now I have one big category called "Housing and Utilities." It's often good to be fairly specific at first, but don't narrow everything down so much that the budgeting part itself becomes stressful. The purpose of a budget is to tell your money where to go.

  4. #44
    Off to Work! Eli's Avatar
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    Quote Originally Posted by Alice Chalmers View Post
    It doesn't necessarily matter all that much what he's spending it on. Just make a budget category "Rael's Cash" and call it good. One of the pitfalls people make in budgeting is getting way too granular. I started out separating electric, internet, phones, rent, etc but now I have one big category called "Housing and Utilities." It's often good to be fairly specific at first, but don't narrow everything down so much that the budgeting part itself becomes stressful. The purpose of a budget is to tell your money where to go.
    So glad you said this. I was going over all the budgeting categories and found myself getting really overwhelmed.



  5. #45
    Premier Sponsor mmeblue's Avatar
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    YNAB is starting up a referral program (they say it's being tested with some users but not all). So I have a referral link, and if anyone uses it to sign up (for the free trial and then subscribing after the 34 days or however long it is), they get a free month and I get a free month--in other words, the subscription is extended to 13 months instead of 12. There's no limit to how many referrals you can get.

    So if anyone is interested, here's my link: https://ynab.com/referral/?ref=cvsys...tomer_referral

    Although if some of the people who posted earlier in this thread have referral links as well, you should use theirs instead of mine, because they're why I decided to try YNAB. :)

  6. #46
    Heartless Wench Alice Chalmers's Avatar
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    No referral link here, just wanted to say I still love YNAB. I'm still using the old version, though a new version of the old version is updating on my phone and is still stuck. Hopefully that will be fixed (my Kindle app is doing the same thing). While I like having a smart phone, I'd still use the desktop YNAB if I didn't have it.

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