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OK, to describe my situation in general terms: I'm 30 y/o, unemployed, male. Looking for work, but until that particular minor miracle happens, I'm on SSI (because I'm disabled), plus I get a check from Social Security retirement (not from me, from my dad's credits, because I was disabled as a baby) - point is, the total from the two checks is something like $697 or so. Note carefully the bit about two checks. Because the government is weird, some months they don't come at the same time. (usually, one check comes on the first, the other on the third, but sometimes...not so much!) Meanwhile, I regularly have $634 in bills due *every month* on the fifth of each month (it used to be the third, but then I pointed out to my parents (AKA my landlords) that that was a heck of a risk of an overdraft basically because of the way the autopay stuff at the credit union works (the money *out* is processed before the money *in*, bizarrely) - they agreed it was no problem on their end to get the money automatically on the fifth, fortunately). Rent and other stuff. I'm looking for budgeting software, thus, just to help me track things easier than Mint.com and stuff. (Also, I really would like to keep data stored locally, not on the internet.) At the same time, I'm looking for work as a paralegal - my first job after taking a few years to do paralegal schooling at my local community college. Law firms (and other employers of paralegals/legal assistants/pick your term) tend to pay, I am told, twice a month...I would like a budgeting software that can work with that. On the technical front, I use Windows 8.1 Update on a laptop, so kindly exclude the solely Mac or Linux offerings. Price of the software is important, but I'm not sure what the usual price points *are* these days. Anybody willing to help?
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# ? Jun 12, 2014 16:19 |
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# ? Mar 29, 2024 16:40 |
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You Need a Budget. See the thread on in in BFC but it's 60 bucks retail, and usually goes down to 15 on Steam during the Winter/Summer sales. It also has a 34 day free trial.
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# ? Jun 12, 2014 16:43 |
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Not sure if it would work for you, but you should at least know about GnuCash. It is free and seems to have a windows port (that may or may not work that well, I don't know). It is not budgeting software but accounting software - good for keeping track of all your accounts and expenses, if you are interested in getting your head around the double-entry method and the clunky interface. What I do for budgeting is get a report of the last 3-12 months of expenses, put it in a spreadsheet, and say "ok now my plan for next year is X dollars per month on these things". Some things (rent) take care of themselves, other things (food) need the envelope method or something to stay in budget.
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# ? Jun 13, 2014 03:42 |
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100 HOGS AGREE posted:You Need a Budget. See the thread on in in BFC but it's 60 bucks retail, and usually goes down to 15 on Steam during the Winter/Summer sales. Quicken budgeting has come a long way, but I'm still not a fan of it. I haven't tried it hard enough tho, since I learned about YNAB. I really do wish YNAB would sync with my banks though...
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# ? Jun 13, 2014 04:02 |
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I've heard that YNAB doesn't play well with getting more than one paycheck or benefits check a month? Is that true, or did I misread something?
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# ? Jun 13, 2014 13:24 |
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Spacewolf posted:I've heard that YNAB doesn't play well with getting more than one paycheck or benefits check a month? Is that true, or did I misread something? Functionally this means that if you are living check to check you can't budget an entire month out if you don't have the money to do so already, and you have to prioritize things based on importance and due date. YNAB doesn't care when the money comes in.
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# ? Jun 13, 2014 14:40 |
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# ? Mar 29, 2024 16:40 |
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Ah.
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# ? Jun 13, 2014 18:32 |