I get a check on Friday, but it's already spent.
February 14, 2013 12:44 PM Subscribe
I'm desperately trying to become an adult (finally!), but I can't wrap my head around 'classic' budgeting software. Suggestions and tips to find what I really need?
posted by hanov3r to Work & Money (28 answers total) 30 users marked this as a favorite
I have... very poor money management skills. And, by 'very poor', I pretty much mean 'non-existent'. I really need to get a better handle on what I'm doing, since living paycheck-to-paycheck (and only barely making it) just isn't cutting it in the face of turning 46, an owned home, and a toddler.
I've got a pretty decent income, so there's part of me that says this shouldn't be hard. But it is. I'm not managing to save very much money although, for the first time in forever, I'm keeping up with my bills, at least.
Most of the budgeting software I've seen is great at reminding me that I have bills due, and great at telling me what I've spent (and, possibly, what I've spent it on). None of them (to me) have been good at helping me *plan* my spending. I'm hoping to find something that isn't a Google Docs spreadsheet where I can say "I get paid on every other Friday for the foreseeable future starting next week, my net each paycheck is $DOLLAR_AMOUNT, and I have bills A, B, and C due on days X, Y, and Z every month" and have it spit out an estimate of what I should have left over. I can then refine that with additional "oh, and I want to add $25 to my Starbucks card every paycheck, and I want to put $50 in this savings account" kind of things to get me on track with being financially aware.
So... does something like that exist for OSX or the iPhone? Am I just missing the obvious? Thanks, all!
Note: I'm not looking, in this thread, for tips on how to save money or spend more wisely - please don't berate me for my Starbucks example above.