RBS / NatWest have a tool to set budgets on various things like groceries, travel, health and beauty, home etc. You then allocate a label to each transaction and it shows under each budget. It's better than nothing.
I use a spreadsheet for budgeting. Create a new one over the December holidays for the following year, input all my fixed costs and expected outgoings, tweaking as things increase/ decrease.
Is it an android or apple phone you have? Or are you looking for something to use off a laptop/ computer?
Emma wont budget but will link to your account and link payments. I use excel and Emma, at the end of the month I use Emma to look at where the months money went and then adjust the spread sheet if/as required.
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I use a spreadsheet for budgeting. Create a new one over the December holidays for the following year, input all my fixed costs and expected outgoings, tweaking as things increase/ decrease.
Is it an android or apple phone you have? Or are you looking for something to use off a laptop/ computer?
Current debt ZERO.