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    • safeashouses
    • By safeashouses 20th Feb 18, 9:30 AM
    • 120Posts
    • 47Thanks
    safeashouses
    Best budgeting app?
    • #1
    • 20th Feb 18, 9:30 AM
    Best budgeting app? 20th Feb 18 at 9:30 AM
    Does anyone use a budget app they would recommend?

    Ideally it would link to my bank accounts so I don't have to keep inputting data. It would alert me when direct debits are due, when more money needs to go in, when there is sufficient money to move to savings...

    Thanks.
Page 1
    • colsten
    • By colsten 20th Feb 18, 11:44 AM
    • 9,025 Posts
    • 7,792 Thanks
    colsten
    • #2
    • 20th Feb 18, 11:44 AM
    • #2
    • 20th Feb 18, 11:44 AM
    Apparently YNAB might fit the bill. There's quite a user community from MSE. I seem to remember they are charging now, though. Do a search for YNAB, you should find a dedicated user thread.
    • tempus_fugit
    • By tempus_fugit 20th Feb 18, 4:52 PM
    • 421 Posts
    • 390 Thanks
    tempus_fugit
    • #3
    • 20th Feb 18, 4:52 PM
    • #3
    • 20th Feb 18, 4:52 PM
    YNAB is a good budgeting tool but if you want to link to bank accounts there aren't many, if any, banks in the UK that it will work with. I do manual importing using files downloaded via online banking, which is fine but a little extra work over automatic importing.
    Retired at age 56 after having "light bulb moment" due to reading MSE and its forums. Have been converted to the "budget to zero" concept and use YNAB for all monthly budgeting and long term goals.
    • Naf
    • By Naf 20th Feb 18, 5:00 PM
    • 3,038 Posts
    • 2,305 Thanks
    Naf
    • #4
    • 20th Feb 18, 5:00 PM
    • #4
    • 20th Feb 18, 5:00 PM
    https://www.moneydashboard.com/

    Also has an app; pretty sure for both iOS and Android. Integrates with your accounts, imports and tags your transactions, and gives you predictions about how much things will be and when. Not sure if notifications are possible, but I'd say its worth looking into.
    Never argue with stupid people, they will drag you down to their level and then beat you with experience.
    - Mark Twain
    Arguing with idiots is like playing chess with a pigeon: no matter how good you are at chess, its just going to knock over the pieces and strut around like its victorious.
    • safeashouses
    • By safeashouses 21st Feb 18, 8:07 AM
    • 120 Posts
    • 47 Thanks
    safeashouses
    • #5
    • 21st Feb 18, 8:07 AM
    • #5
    • 21st Feb 18, 8:07 AM
    Thanks everyone, I have gone with Yolt and it is just what I wanted.
    • fanheater
    • By fanheater 21st Feb 18, 4:19 PM
    • 79 Posts
    • 26 Thanks
    fanheater
    • #6
    • 21st Feb 18, 4:19 PM
    • #6
    • 21st Feb 18, 4:19 PM
    good choice. I have been using Yolt for a few months.
    • Kev224
    • By Kev224 28th Feb 18, 4:49 AM
    • 6 Posts
    • 4 Thanks
    Kev224
    • #7
    • 28th Feb 18, 4:49 AM
    • #7
    • 28th Feb 18, 4:49 AM
    I just found this thread through a search, exactly what I was going to ask. Funnily enough because I was frustrated with Yolt.

    My problems are
    - I got that new B Account for the 250 switching bonus and it's not supported
    - transactions seem to sit as pending forever and you can't change the category until it's confirmed, by which time I've probably forgotten
    - you can't edit the categories. They don't really match my own spending so I have to come up with a weird code system that I need to remember
    - you can't split transactions so my big shop has to all go to groceries or whatever
    - you can't change the start of a month, as far as I can make out. Its only by the calendar month, which is annoying as I tend to get income mid month.

    I tried Money Dashboard a year or two back but it was treating transfers from one account to another as an expense which makes the graphs go crazy.

    I looked up that YNAB just now but can't justify the initial outlay of $84, seems completely counter intuitive.

    Any other suggestions? I don't mind a desktop based program either.

    The only other thing I've tried is keeping spreadsheets. In a sense you can customise a spreadsheet in terms of categories, dates etc all you want but it's arduous to say the least and I'm liable to make mistakes/forget something/forget it exists altogether.

    Any apps/sites/general advice on keeping track would be hugely appreciated!
    • vintagegirl
    • By vintagegirl 28th Feb 18, 2:54 PM
    • 733 Posts
    • 286 Thanks
    vintagegirl
    • #8
    • 28th Feb 18, 2:54 PM
    • #8
    • 28th Feb 18, 2:54 PM
    best one ive ever used is My Budgets.
    I got the upgraded one for 2.99 and it does every single thing i want it to do
    • streety
    • By streety 5th Apr 18, 2:09 PM
    • 54 Posts
    • 9 Thanks
    streety
    • #9
    • 5th Apr 18, 2:09 PM
    • #9
    • 5th Apr 18, 2:09 PM
    My search for the best budgeting app has brought me here. I'm going on away on holiday in October and looking to manage my money, so I can pay off the balance and save enough for spending.

    I also have just consolidated purchase credit cards into a balance transfer cards, so I want to be able to control monthly payments.

    Any apps that you would recommend for Android? Yolt does look good.
    • SimbaK2K
    • By SimbaK2K 5th Apr 18, 3:11 PM
    • 793 Posts
    • 551 Thanks
    SimbaK2K
    Started using Yolt about 2 weeks ago and really liking it so far.

    Easy to setup, open banking is already implemented for bank that have support for it, and seems to be secure. Takes some getting used to, i.e. seeing payments to my credit card as a transfer instead of a bill which while correct is a bit odd, but going to continue using it for now.
    • silver88
    • By silver88 10th Apr 18, 11:31 AM
    • 4 Posts
    • 0 Thanks
    silver88
    How about using app only current accounts? You can pay-in money in the account for your monthly expenses so that you can keep track of your budget. There are some good online only current accounts that come with budget management tools built in.
    • colsten
    • By colsten 10th Apr 18, 11:52 AM
    • 9,025 Posts
    • 7,792 Thanks
    colsten
    How about using app only current accounts? You can pay-in money in the account for your monthly expenses so that you can keep track of your budget. There are some good online only current accounts that come with budget management tools built in.
    Originally posted by silver88
    Never ever use a bank account to track your spending. The method of accessing your bank account (app, online, etc) makes no difference. The only person who knows how much you spent and how much you have committed to spend is yourself. If you are into apps, use a budgeting app for this. Though pen and paper might suffice. Personally, I use AceMoney, which presently doesn't have an app but they keep promising one, and they do have a thing called "AceMoney for Windows Mobile"
    Last edited by colsten; 10-04-2018 at 11:56 AM.
    • No_6
    • By No_6 10th Apr 18, 10:13 PM
    • 640 Posts
    • 129 Thanks
    No_6
    or even,,,, MS money on a laptop !
    you enter all your data and get results.

    at least you are in control, it's YOUR money.
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