Handling your money can suck, but I'm considering making an app to help a little, and wondered if you guys would kindly tell me if you'd consider using it.
The Idea:
You set up your Bank Account(s) in the program, and tell it what the starting balance is.
You can then create some MoneyMan Accounts (technically they're called Analysis Accounts), which split your bank accounts up.
This way you can divide your money up, and use THIS as your available balance, rather than the balance on your bank account. It's proven to help you save money.
E.g:
You got 3 bank accounts: a Current, and two Savings.
You can divide these up into, say:
"Money to spend in the month"
"Petrol Money"
"Bills (Heat 'n' Light)"
"Rent"
"Holiday Fund"
"New Car Fund"
"General Savings"
"Money to spend in the month" £ 100
"Petrol Money" £ 250
"Bills (Heat 'n' Light)" £ 400
"Rent" £ 750
"Holiday Fund" £ 575
"New Car Fund" £ 1,000
"General Savings" £ 1,425
---------------------------------------
TOTAL £ 4,500
I currently do this with an excel spreadsheet, and it's worked ok so far, but it needs a few more features that don't really fit excel. The advantage of this system is it would be able to work back to show you what the balance of your bank accounts should be, so you can compare it, and various other stuff.
I probably wouldn't. I don't handle budgeting too well... it makes me notice that I have money to spare and I end up spending more than I should.
Disclaimer: Any sarcasm in my posts will not be mentioned as that would ruin the purpose. It is assumed that the reader is intelligent enough to tell the difference between what is sarcasm and what is not.
I might consider using it, I tried to do it via the whole excel method but after a while I couldn't be bothered trying to remember what I spent that day and working it all out etc.
I go to an adult day care center during the day... It pretty much sucks, but I do have a job. It's one hour a day, five days a week shelving books in a library. It doesn't pay because I'm a volunteer, but I do plan on doing something some day. Since I have nothing but free time on my hands and no car. I've really been hammering my crappy graphics portfolio into shape so the great job hunt is coming soon, I can feel it. My bills are paid anyway...
Uh, I think the point of having a program to do it is to get rid of the administration.
Dines, I think there are some programs that actually do it for you; try and google some. I spent some time trying to figure a way to make a program that could manage my klik projects and just found a few (well, quite a lot!) on Wikipedia a few weeks ago. They also help make schedules and stuff.
Disclaimer: Any sarcasm in my posts will not be mentioned as that would ruin the purpose. It is assumed that the reader is intelligent enough to tell the difference between what is sarcasm and what is not.
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