Some competition is coming up but none of them seem to work as well yet. You could do what YNAB does with a spreadsheet but it would be a good amount of work.Īlso YNAB went subscription based a few years ago and has been raising their price over time like everyone else. I recommend giving the trial a shot and see if it’s worth it for you. The best out there right now is You Need A Budget (YNAB) they have a 34 day free trial, which lets you try it for a month and then some along with free online classes. There is software that lets you do virtual envelopes and do the setup I mentioned with debit cards or credit cards. Gas up your car and you’re down to $2 in gas? Take some from the eating out category so you can make it to work. If you run out of money in one category, you can borrow from another as long as you’re not spending more than you have total. If the money is out, stop spending on that category. Take your money, set aside so much for each category like groceries, eating out, electric bill, gas for the car, gifts, etc and then spend from those categories. I’ve had the best luck with budgeting using something like the envelope method. It’s good for tracking your spending because it automatically pulls in all your transactions and categorizes them. Collins NH GoCurr圜racker Root of GoodįI Resources: Bogleheads Wiki Related Subreddits: /r/PovertyFIRE /r/LeanishFIRE /r/financialindependence /r/Fire /r/ChubbyFIRE /r/fatFIRE /r/FIREyFemmes/ /r/baristafire/ /r/coastFIRE/ /r/personalfinance /r/personalfinancecanada /r/EuropeFIRE/ /r/fican/ Philosophy /r/stoicism /r/minimalism /r/anticonsumption /r/simpleliving /r/permaculture Housing /r/vandwellers /r/homesteading /r/tinyhouses Transportation /r/lowcar /r/bikecommuting /r/publictransit Food /r/eatcheapandhealthy /r/fitmeals /r/mealprepsundayĮR Blogs: Jacob Fisker's Early Retirement Extreme Mister Money Mustache The Mad FIentist J.L. Only include as much information as you feel comfortable including and the guidelines are not required. LeanFIRE = doing so with household expenses < $50k, or individual expenses < $25kįlair: You can edit your own flair. If you want to retire before 60 with less than $50k in planned yearly household expenses ($25k individual), this is the place to discuss it!įI/RE = Financially Independent / Retired Early
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