![]() ![]() Estimate how much you’ll spend in different categories each month over the next year.Use last year’s pay stubs as a reference point and adjust as needed (perhaps you recently got a raise or finalized a new business deal). Estimate how much you’ll earn each month over the next year.Variable/discretionary ordinary living expenses (such as food, clothing, household expenses, medical payments, and other items for which your monthly spending tends to fluctuate).Fixed costs (such as housing payments, utility bills, charitable contributions, insurance premiums, and loan payments).Separate your spending categories into main buckets.(This is an especially useful exercise if you have uneven income.) For instance, let’s say you spent $500 in January on groceries, which was 12% of your household earnings. Note how much you spent in each category every month, as well as what percentage of your monthly income that spending represented. Categorize all of your expenses over the past year.Add up your take-home pay over the past year.Most institutions let you export your transactions as a CSV file that you can open in Google Sheets, Excel, or Numbers. A year’s worth can give you a good sense of how much you tend to spend over a given period of time. Collect all of your bank and credit card statements over the past year.(Ever get hit with a large bill, such as for an auto repair or emergency dental treatment? Those kinds of things can throw your budget off track.) Spreadsheet-based budgets (and some other budgeting tools) prompt you to create a myriad of categories and assign a dollar amount to each one, which is not only overwhelming but also likely to fail. It tracks your spending, revolving bills, savings goals, and earnings history to estimate how much you have left to spend in a given month in any category you want. We recommend Simplifi for most people because it’s a happy medium between the two. Conversely, zero-balance apps encourage a more hands-on approach, forcing you to account for every dollar you bring in (X amount for savings, Y amount for rent, and so on), but they tend to be idiosyncratic and costly. Tracking apps offer a 30,000-foot view of your finances, display your transactions in real time, and require very little effort to set up. If your have any problems or suggestions please send a mail to you will get the response in a short time.There are two basic types of budget apps: trackers ( à la Mint) and zero-balancers. ※Elegant, Powerful & User friendly interface You can set the time period to daily, weekly, monthly & yearly. Review all your expense & income by category or account with beautiful graphs and reports. Reconcile your transactions by editing cleared/un-cleared status Transfer funds from one account to another. Search and edit transactions in the same screen. Quickly search for transactions by dates, name, payee and category. ![]() All details you need to keep track of your transactions are including. ![]() ![]() Supports multiple categories with beautiful icons to choose from. Save a transaction to be used repeatedly(daily, weekly, 2 weeks, monthly, tire monthly), without retyping all the details. Filter transactions by tapping a date or selecting multiple dates on the calendar. Show all your monthly transactions as points on the calendar. Export your transactions by email for use of desktop applications such as Excel, Quicken.etc. You can even search the transaction by crossing your finger on the calendar! All details of the Checkbook Pro are well designed to provide excellent experience. You can create multiple accounts, save recurring transactions, transfer funds, view reports & graphs, export data.etc. With Checkbook Pro application, it can totally replace your paper checkbook. An easy & quick way to manage your daily finances, Checkbook Pro keeps track of your credit card charges, cash expenditures.etc. ![]()
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