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Baja Mofufu posted:I posted in the newbie thread asking about Mint vs. YNAB before I saw there was a new budgeting thread! (Thanks for the new thread, OP.) Anyway I was just wondering, for people who have used both: How much time do you spend on each per day? Every purchase I make, big or small, I pull my phone out and record the transaction (price, category, comment if I feel like it). Every few days or once a week I open up YNAB on the computer and review the transactions and approve ("clear") them. At the end of the month I pull out a calculator and check if the money I actually have matches up with what YNAB thinks I should have, and if not I fix it with the reconciliation feature. It's a very fast process. You just need to get used to recording everything, even that 25 cent piece of candy.
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May 15, 2013 14:01
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| # ¿ Apr 25, 2024 16:06 |
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EN Bullshit posted:I don't know what a health line is or why I would budget for it. If there's something unexpected that requires medical attention, isn't that an emergency? And if medical attention isn't required then it's not happening. Boom, no need for health line. Um, no? There's budgeting for copays, prescriptions, random bottles of ibuprofen at the supermarket, glasses/contacts if you wear them, random "oh poo poo I think I have a cavity" trips to the dentist (although you should really just budget for regular checkups to the dentist), regular physicals, etc, etc etc. All of these things are non-emergencies and should be budgeted for. You're also forgetting a gifts budget. Birthdays, Christmas, etc. e: If you're only gonna be out there for 2-3 months then why not just be a roommate rather than finding one. Moving is expensive man. You're going to realize all sorts of things that you need but don't have if you're moving into a place alone. You're gonna need dishes and flatware, you're gonna need a pan and a pot, you're gonna need cleaning supplies and vacuums/mops, the list goes on. If you're really just going to live somewhere for 3 months max then it's really not worth it to move and buy all this stuff at once and then move it all again. Plus all the deposits you're gonna have to put in. Also I don't think you're going to find a place that rents out for 3 month contracts. I mean if you have history with a place I'm sure they'd be willing to work with you month to month after you contract lapses. What about renter's insurance? Health insurance? Don't see those on your list either. Boris Galerkin fucked around with this message at 23:01 on Feb 23, 2014 |
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Feb 23, 2014 22:54
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spwrozek posted:Clarification would be good but if he is pulling down $50k+ a year he is probably getting it through work. Yeah but work usually doesn't pay for it entirely in my experience. Wikipedia says they typically cover 75% of the premiums and leaves you with the rest. Mercaptopropyl posted:lol just because health is a priority to you doesn't mean it is to everyone else. I know plenty of people who have never been to a doctor or a dentist in their lives or since they were infants. They'd never go save for an absolute emergency. And some of those same people are excellent at managing their finances. And these people are stupid. What's your point?
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Feb 24, 2014 04:20
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Mercaptopropyl posted:You were talking about copays, prescriptions, glasses, and things he does not plan on needing barring an emergency. Nobody plans on getting a cold or getting in a car accident or being diagnosed with cancer. I don't understand what your point is.
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Feb 27, 2014 14:45
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I think he said these are biweekly figures. I do the same, I budget per paycheck so if my phone bill is $30/month then I just put aside/mark (earmark?) (30*12/26) per paycheck to keep it easy like that.
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Apr 6, 2014 15:05
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| # ¿ Apr 25, 2024 16:06 |
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For gas and electricity, I bet if you dug into the power company's website there'll be a document explaining the convoluted way they charge you. There'll probably be fixed monthly fees and like 30 line schedule items that charge per kWh. What I did was just make a new sheet in my budget spreadsheet and plugged in my monthly kWh usage and then extrapolated my next months taking into account of weather/season, and then used that number to calculate what they'd charge me based on how they charge. Yeah it's probably more complicated than just taking an average and looking at last year but what can I enjoy this kinda stuff.
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Apr 23, 2014 22:57
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