Does anyone have a good budgeting tool that they would recommend or be willing to share? I was tempted to set up an excel sheet as I can’t get myself to pay for something to track my money but wanted to see if there were any recommended templates or videos out there. Thanks in advance!

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Monarch

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I guess it’s worth the convenience but I guess you can pay money to make money

I just use one credit card for nearly everything and almost all CC companies have added the capability to do analytics now. The expenses that exist outside of my CC – mortgage, phone bill – don’t change and I can just account for in my head if I’m trying to understand my monthly expenses.

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Any one you would recommend?

I’ve used Copilot with relative success and ease …

Like $14 a month I think

Empower

I’ve been using YNAB for the past 3 years and while there was an initial learning curve, I can’t live without it now. I think the annual fee is worth it overall, but some of its UI and API connections to banks (e.g., Amex) could be much better

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