![]() Account will be charged for renewal within 24-hours prior to the end of the current period, and identify the cost of the renewal. ![]() Payment will be charged to iTunes Account at confirmation of purchase. Subscription automatically renews unless auto-renew is turned off at least 24-hours before the end of the current period. Use envelope budgeting to plan your spending, not just track it! * Schedule transactions and automatic envelope fillsĪd-free, Free Forever version includes 10 regular envelopes & 10 annual envelopes. * Track your bank balances in addition to envelope balances * Check envelopes balances (aka how much you have left to spend) while you're on-the-go But with no physical envelopes.only virtual envelopes! Goodbudget is based on the envelope budgeting method. ![]() * Debt progress report (track your payoff!) * Spending by envelope report (cool-looking pie chart!) * Know how to modify your budget after analyzing reports Goodbudget helps you make sense of your budgeting and spending with in-app reports. * Download transactions to CSV (on website) * Your data is automatically and securely backed up to Goodbudget's website * Stay on the same page about finances with those close to you ![]() * Transactions synced with the cloud and accessible from other devices, including Goodbudget's web app! Sync across multiple devices including iPhones, other smartphones, and the web. Goodbudget is perfect for sharing a budget with a spouse, family member, or friend. Share a budget with sync across multiple phones (and the web!). You can get personalized budget assistance and help with more complicated things, like negotiating with your creditors or finding out which financial assistance programs you qualify for.Goodbudget is a personal finance app perfect for budget planning, debt tracking, and money management. Seek help: The National Foundation for Credit Counseling is a reputable nonprofit organization that offers financial planning help.This doesn’t mean you deprive yourself of these things forever it just normalizes not spending as much money on them and finding cheaper alternatives. Do a no-spend challenge: Try to eliminate spending for a month (or several) on a problem area in your budget, such as clothing or entertainment.You can ask a lender for a modified payment plan or refinance your debt into more manageable payments. Negotiate with creditors: If debt payments are pushing you into the red, reach out to your creditors.But going through your bank statements to see what you really spend can help you find areas you can work on. Review your spending: It’s easy to guesstimate your spending with the calculator above.Find ways to boost your income: Whether it’s working a side hustle or a part-time job or asking for a raise at your current job, finding a way to boost the income side of the equation can have the biggest impact of all.Other: This is for all other expenses that don’t quite fit in any of the categories above.Savings and investments: Money that you regularly save for an emergency fund or vacation fund, as well as long-term goals like college, retirement, and a home.It also includes medications, glasses or contacts, and the like. Health care: This includes all the out-of-pocket costs for health insurance, dental insurance, and vision insurance, such as premiums (if they're not deducted from a paycheck), copays, coinsurance, and deductibles.This category also includes debt payments (outside of mortgages and student loans) and vacation expenses. Personal and family: Cellphone bills, entertainment-including TV streaming services like Netflix and other subscriptions like Spotify-fitness, pet expenses, household supplies, personal care (haircuts, toiletries, etc.), and clothing.Also include any student loan payments you have. for children in K-12 and adults going to college. Education: Tuition, supplies, fees, etc.Transportation: Public transportation like buses, but also car-related expenses, including your monthly loan payment, repairs, insurance, tolls, and fuel.Food: What you spend on food from the grocery store, eating out at restaurants, getting takeout, or meal delivery services.You can also account for other necessary housing-related expenses, like utility bills, homeowners or renters insurance, and maintenance bills. Housing: Your rent or mortgage payment.Income: Your total take-home income, including any money you earn from side hustles, alimony, child support, part-time jobs, etc.
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