I was about to buy finances until I saw there aren’t updates anymore. It made me think that I should start to learn swift and code myself a damn app to use and update until I day, which is the day I’m not longer going to use it.
Yeah, I’m feeling an itch to start learning GNU Cash in the case I go forward with my idea to start a small business. Also see Money Well, downloaded it today and has the things you say from buckets. Not that buckets is a bad piece of software, in fact both are good from what I see.
I use MoneyMoney
https://moneymoney-app.com
now for several years, and it works pretty nice for me.
There is also an English version available.
But the Banking systems are working different in the US compared to (a lot of parts of) Europe, so it is much easier to get all data direct from the banking accounts, and sent all order via this system, instead of doing all this on the website of the bank, and/or inserting everything manually or by a downloaded CSV or MT940-File.
Therefore I use a banking software since 1995 that collects and categories everything pretty much automatically, instead of doing everything by myself with a “restricted” app like YNAB or even a spreadsheet.
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It looks like a more robust app than what I currently need which is just budgeting I might try it later when my needs grow. Thanks!
I like YNAB. It’s easy to use and to reconcile accounts at any time. I also like entering transactions manually because my banks have made mistakes, and I want to check them. I wish it had better reports, but at least it’s ad-free, unlike Quicken.
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I liked it when I used, but I don’t want the subscription fee.
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Is there a comparison between hledger and beancount?
Are there specific advantages or disadvantages between these two systems?
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For this type of budgeting I’ve used a spreadsheet. I like it because I can customize the reporting to my exact desires. If you’re willing to enter all the data, why not have the ultimate in flexibility?
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I’ve only seen comparisons between hledger and ledger.
, do you use Excel?There is some discussion here of people using Numbers or other spreadsheets for budgeting/finances. You may want to take a look.
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I’ve used YNAB since version 3. I now use the YNAB subscription service. I tried moving away but I just click with YNAB. As I’m in Australia now, from the UK originally, I never use syncing to import transactions from the bank but I confess I prefer to do it manually.
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Numbers right now. I have used excel in the past.
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Probably a bit late to the party but EveryDollar is a great choice. Free unless you want to link accounts. We’ve been using it for years.
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That’s a long time! I have to admit their new YNAB together makes the app a lot more tempting. How has it helped you with your personal finance?
Unfortunately the app is not available in my region 
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I’ve used MoneyDance for more than 5 years and am very satisfied with it. It can connect to your bank but I don’t use that function. You can set your budget categories on a monthly, semi-annual, annual basis and can see on the side panel how your income and expense relate to your budget in each category. In addition to checking and savings you can set up investments, credit cards, etc., do searches and run reports. I only use the Mac version but it is also available on iOS
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Thank you, I’ll check it out.
How has it helped you with your personal finance?
Jvet, it has basically allowed us to keep a roof over our heads and feed and clothe our children. It’s the give every dollar a job rule that really works for us. Other register solutions appear to reflect what you have done with your money, YNAB and other budget to zero solutions allow you to see where your money is going to go before it disappears.
That change in thinking, we were previously with MS Money, made all the difference to us. I know zero based budgets are not for everyone but the discipline it instills allowed my wife to stay home as a full time Mum until our youngest was 12. Now that same discipline allows us to save up for larger items by growing our envelope balances as we need to.
The final point is that zero based budgeting really does work best if you can put your current months pay away to fund the next month.
Having said that we used YNAB for years following one of their other rules which is roll with the punches. For example when the children both need shoes but you’ve only got enough in your shoe envelope for 1 pair then you can leverage the money in a longer term envelope to cover the shoe purchase.
I’m in our budget every single day and prefer the manual transaction entry approach.
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No matter which system you use or which software you use, I believe this to be a key to success. I have a few checking accounts and credit card accounts that I check every morning even though I have alerts and real time notices set up. I have a few IRA accounts that I check less often because there are not many transactions. I guess my approach is “trust but verify”. I use Numbers spreadsheets to manage my finances.
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