Jonathan Dowland: Budgeting tools
YNAB
On the advice of many friends, I tried to use You Need A
Budget. I gave it a seriously long, proper
evaluation: over a year. But I just couldn't get it to work for me. I don't
want to try and explain why. To be honest, those same friends who advocated for
it fairly strongly, also gave me a pretty hard time for giving up on it!
Despite it not clicking for me, there are a few concepts from YNAB that I quite
like:
- "give every dollar a job". Or: Budget your entire income.
- The jam-jar budgeting approach of carrying budget "pots" over from month to month, so you can budget a small amount towards a large thing over a long period.
hledger
.