31–40 of 53 posts
1. Make a budget.
2. Stick to it.
If you need a little more pressure, stop using credit cards in favor of cash. There's something powerful about realizing you have less of something every time you get a cup of coffee. It will slow you down and make you think "do I really want this?"
I prefer to focus on how much money I can actually save every month. Much simpler and easier to manage. Best is to put that money aside on the 1st of each month and see if you can stick to it.
Then choosing what to spend less on to improve that saving every month is by questioning the usefulness of the purchase (Will I use it? Will it make me happier? Will it improve my productivity? Will it allow me to create wealth? etc.).
Try to keep your living standard below what your income could afford. On the long run you'll save money and live happier.
"I didn't have time to actually make or keep a budget, or learn anything about the topic, so I spent six months writing an app that is basically Mint, but slightly prettier, and worse." Don't ever change, tech dudes!
I guess you're right, I didn't have time to make a budget but have some to design an app because by doing this I learned a lot when it comes to design, and after all I earn money by designing things. So it's a win-win
Earlier quoted context omitted.
I tried to proof read everything, but if you found any typos, I'd be delighted if you could point them out!
You could copy and paste it into a word editor. I just did that with MS Word and it highlighted several misspellings for me. Also in FF, a textarea box will show misspellings. Or do you not have English dictionaries installed on your PC? (It's hard for me to get in the habit of remembering the internet is world-wide :S )
This is basically an ad.
If people are looking for an app, I'd recommend YNAB https://www.youneedabudget.com/ It has worked for me. Dead simple philosophy: the money you earn this month you get to spend next month. Helps break the cycle of debt, and also has given me visibility into my daily spending.
When I was a young single man, I had an effective way to track my personal finances. At the start of the month, I'd calculate how much money I had left over after fixed expenses (rent, internet, etc) and whatever savings I wanted for that week. I'd then divide that by 4, and 4 times a month, I'd withdraw that amount in cash from my account, and use that for discretionary spending like going out, groceries, etc. That…
I don't understand how people manage to log every purchase they make and keep on a budget (this app is no different). I find it so inefficient and time consuming. I can't even plan a budget. I prefer to focus on how much money I can actually save every month. Much simpler and easier to manage. Best is to put that money aside on the 1st of each month and see if you can stick to it. Then choosing what to spend less on…
Earlier quoted context omitted.
I tried to proof read everything, but if you found any typos, I'd be delighted if you could point them out!
ovecomplicated morgage aditional marathone "You probably realised taht you won’t be able to makea cut" tabacco (in the app image) naturaly Thats