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You are not alone, nor is this line of work. Auto mechanics may drive vehicles held together with chewing gum and baling wire. Doctors may have the worst dietary habits. And we won't even discuss the preacher's kids.
Huh?
I can definitely relate to feeling like a mess in my personal finances despite working with numbers all day. I use apps like Mint or YNAB to help track expenses and stay on budget; they've been lifesavers in getting my finances organized.
I’ve been helping my sister get her finances in order for the last few months with my own very basic cash flow and budgeting trackers, but transitioning things back to her and after researching available options am about to help her set up either Rocket Money or Monarch Money
Monarch is EXCELLENT. I never had control over my finances until using it. It’s sooo much better than mint/rocket
Oh, 100%! It’s wild how I can be so on top of numbers at work but somehow avoid my own budget like the plague. I’ve been using YNAB lately, and it’s been a game changer for actually planning where my money goes. Mint was decent too before it shut down. What’s been your biggest struggle?
I never really had an issue with my personal finances, until I got married. Not that either of us are terrible with money, it was just a different ballgame when we combined everything. I use excel and make a monthly sheet to keep track of things. The apps are always so much work to get set up, but probably easy street after that.
You’re def not alone. When I was in public accounting I spent way more money on eating out and treating myself while out with friends or my partner - it’s almost like I had the mentality of “I deserve this bc of all the hours I work”.
Now that I work in private, I’ve had 98% of home cooked meals. I bring a lunch to work, and have time to make fancy dinners etc. This has all which has led me to realize I can essentially spend $100 a week on food.
The difference now is I have 3 accounts with one bank - general checking, bills, and savings (which I use to transfer money to other Roths).
I transfer all my money on pay day and basically live like I’m poor til next pay day.
Rising Star
Rocket money for budgeting. Empower for nw/investments. Both are free.
Hell yes I have that problem. I think it started because I had decided I didn't want to live with a stick up my ass, if I applied my accounting mindset to my life. I was afraid of being a perfectionist and never be satisfied.
So of course I lived two extremes.
After thirty years I haven't ever adjusted my extremes to find a balance like I should have.
I was more balanced when I was married and worked from home running our own business for 15 years.. Because I could easily apply accounting standards to home life, because I did everything but physically drive the semi truck.
Now the past 11 years. Still have not found my balance yet. Better as an empty nester but have lots to make up for.
I can account for every penny, but following through on self discipline is elusive.
Doctor heal thyself.
One day in college I went skiing and was talking to someone on the chair lift. I told them I was studying accounting. They told me they use to work in accounting but got so burt out they wouldn't even balance their checkbook anymore. I could not understand it at the time. But now, 12ish years later, I can see how that happens.
I promised myself I would take 2024 to get my finances in order and I booked "appointments" on my calendar to work on my stuff. It was a bit painful but I finally have a grip on what's going out and where. I'm a QBO Proadvisor so QBO is free to me. I set up all credit cards, loans and banks to feed in. One by one, as cards get paid off I close them to make life simpler. I set up auto transfers to a savings account I don't have quick access to, to save for HOA dues, quarterly expenses, gifts, one-off purchases. It's still a work in process but I feel so much better knowing I am moving toward my money goals. Got myself an investment advisor at age 60 even though I was embarrassed at how little I had saved for retirement. Now I run money decisions by him before I do anything big.
Dave Ramsey's Financial Peace University is really good for helping people get out of and stay out of debt.
Reccs on finance tools? Quicken has a high learning curve. Am 65, retired from pwc, but tax time is a MESS just getting info to our acct. Married, 4 credit cards, 2 IRAs, couple investment accts, etc.
After I do the taxes, want to find out “how many tv streaming subscriptions do I have and how to get rid of them?
Cobblers kids have no shoes, obviously…