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Ask HN: What's your favorite way to save money?

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191–195 of 195 posts

Re: Ask HN: What's your favorite way to save money?

#191
post #13

I just record all my discretionary purchases in a spreadsheet and recoil in horror at the end of the month. My monthly spend has been steadily dropping since I started doing this about six months ago. EDIT: I seem to have misunderstood the topic of this thread, but, as another commenter puts it, the best way to save money is to not spend money in the first place.

if you use apps. and a spread sheet to keep track of all misc. expenses then i would say too much time and effort.

my simple way is take the misc. expenses $ money right off the top when cash check. i put the cash in my pocket. $800 every two weeks. and i use cash for all misc. stuff. use the credit card for fixed monthly expenses and pay maintenance stuff like insur, etc elec. check. so if run out of cash then done till next check. and usually have left over dont usually spend full $800 i just throw it in the drawer until it piles up and then spend it on something or divert to invest. acct.

Re: Ask HN: What's your favorite way to save money?

#193

This app changed literally my life. YNAB! https://www.youneedabudget.com It takes time to get used to, but after 6 years on and off, I am using it for the last 8 months regularly, and I already saved enough money for the next 4 months in advance. This, and in addition, read https://www.amazon.com/Early-Retirement-Extreme-philosophica... You don't need more, trust me. But, of course, what these two have in common, is…

YNAB is awesome--the desktop version, that is.

Unfortunately, they're going the web route for obvious reasons; but for me, I'm holding on to the desktop version as long as it can run on a Mac, which I hope will be a long time. I've backed up the installation file and my license.

Re: Ask HN: What's your favorite way to save money?

#194
post #21
post #13

I just record all my discretionary purchases in a spreadsheet and recoil in horror at the end of the month. My monthly spend has been steadily dropping since I started doing this about six months ago. EDIT: I seem to have misunderstood the topic of this thread, but, as another commenter puts it, the best way to save money is to not spend money in the first place.

On that note though, while I realize there are plenty of apps that will do this sort of thing for you, I really wished there were that did it with this level of simplicity. And I don't mean create an account for Mint or Level or any of the other bountiful budgeting services out there and merely export to a Spreadsheet. I (personally) literally only want something that can connect to my accounts, see a transaction, an…

>> I really wished there were that did it with this level of simplicity.

The desktop version of YNAB was pretty much like this.

Re: Ask HN: What's your favorite way to save money?

#195
My fav is our startup MyMoneyZen :P Originally developed it just for myself to use 10 years ago, then more and more people started asking me to set it up with them and I couldn't serve them all, so decided to make it available online.

Keen to hear anyone's thoughts...

MyMoneyZen is an online course, with built in software, which teaches people how to set up an automatic system to manage their money for them. So they can be good with money… fast.

https://www.facebook.com/mymoneyzen/videos/688678827952669/

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