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[BadBurger]

I keep a spreadsheet for expenses, as I have no debt and keep things simple so I never gave it much thought. But I'd like to make better use of my money rather than just willy nilly spreading it across my various savings and money market and IRA accounts. I recently cut down on streaming services and pay my car insurance premium upfront (because why pay installment fees?), so my monthly expenses are super low.

My current expenses and left over funds are as follows (the electricity bill is an estimate - it gravitates in the $50 range):

So as you can see I have nearly $4k a month for whatever. Leisure, food, gas, charity, political donations, etc. But I'd like to get some structure and make this excess money work better for me. I feel like it's a bad idea to just keep spreading it across my savings accounts.

 

[eddie4]

There's plenty of money and budget software out there.
Self-Host it. No fees, your data isnt somewhere on a server. etc.
Here is a list of the good shit: https://github.com/awesome-selfhosted/awesome-selfhosted#money-budgeting-and-management

 

[synchronicity]

I like GnuCash. It's free and very customizable.

But budgeting is more about priorities than any software imho. Just have to make your choices and stick to your plan. That's up to you. You could do it all on scrap paper if you wanted.

 

[Northeastmonk]

Get the EveryDollar app. I have used it religiously for the last 4 years. You make categories and it’s wonderful. You log each transaction when you make the transaction. I could go on and on. It helped me pay off all my student loan debt.

 

[eddie4]

Depends on how much of a risk you want to take with your money. You can do the safe savings account, CDs, etc. Or peer-to-peer lending, gold, stocks.

 

[BadBurger]

Get the EveryDollar app. I have used it religiously for the last 4 years. You make categories and it’s wonderful. You log each transaction when you make the transaction. I could go on and on. It helped me pay off all my student loan debt.

Sorry to bump an old thread, but this EveryDollar app is really good after having used it the past two months. Good stuff. Thanks Northeastmonk - if you didn't already have gold I'd gift you it

 

[Northeastmonk]

Sorry to bump an old thread, but this EveryDollar app is really good after having used it the past two months. Good stuff. Thanks Northeastmonk - if you didn't already have gold I'd gift you it

That’s awesome. I’m glad to see I did something positive. My wife and I live by that app. Lol thanks for letting me know.

 

[AJUMP23]

Youneedabudget was good when I used it. But it has been a while.