this post was submitted on 02 Nov 2023
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Technology
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Damn I still use this. Now what should I use for budgeting?
Gnucash can do this and is floss so won't really go away.
Do I need to know programming or enjoy spreadsheets to use this?
It's more complicated than just a spreadsheet but not as complicated as regular programming. You will want to learn general accounting practices like double entry bookkeeping to really understand how to use it though.
Hmm, okay, then it's not what I'm looking for.
No more than you needed to use quicken back in the day.
I use YNAB and really like it
I've been checking YNAB out. I really like that it has an API subscribers can use.
One of my complaints is that it doesn't seem to have rule-based categorization, but I may just write a script (or find someone else's) that interacts with the API.
I’ve tried many over the years, and I keep going back to YNAB. Been happy using it for the better part of 4-5 years now.
Personal capital works for me
I use budget with buckets. Similar to ynab, however syncing, if you want it, only costs $15/year. Free unlimited trial.
Can Budget with Buckets pull itemized transactions from my credit card and bank institutions like Mint?
Yup, you can either set up macros (never used these) or pay for simplefinbridge (1.50/month or 15 bucks/year)
I’m really liking Tiller.
I found it much easier than YNAB to understand and it all stays in a spreadsheet I control.
I've been using Rocket Money. It has mostly the same functionality as Mint, but seems to work a lot better. It also doesn't wait 5 days to notify me of deposits like Mint does.
Same, goddamnit. I hope they have some sort of option to export out all my data to bring somewhere else, though I doubt it.
It's not free but I moved to monarch money and am very happy with everything other than the janky sync for amex cards.
Have several credit cards for your categories, and use the same checking account to autopay for all. View credit card statements for breakouts and ytd expenditure for each category.
Just a heads up that the Citi custom cash card gives you 5% back on the most spent category, great for rarely boosted categories like gas or groceries.
Seems to mesh really well with your budgeting method. Limited to one per person, but if you have anyone you trust to be an authorized user you can each have one to have two such categories.
that's a new card. i haven't looked over options in a while. thanks.
Hu? I have over a dozen categories lol.
Wow. That many! I have half of that.