Hello and welcome to a VERY different post. I normally don’t talk about this topic, but I thought it would be fun to show what budgeting tools work for me personally. That is not to say I am a money or budgeting professional or saying these things will work for you. These are just a combination of things that have worked for me and my lifestyle. If you want to learn about budgeting and the like, talk to a professional!
Budget Book
Legend Budget Planner is the budget book that I have been using for about a year and a half to two years at this point. What I really like about this planner, as they call it, is the fact that everything is already set up and you have plenty of room to add your bills and other expenses without wasting too many pages. It also was the first budgeting thing I activity bought for myself and it was great at helping me understand budgeting and what should go into it.
Cash Envelopes
Another things that has worked for me is using cash and actually seeing the money leave my pocket and wallet. I used a card for most things, but I realized I never really kept track of how much I was spending. This really puts it into perspective for me personally. This is kinda based off of Dave Ramsey’s Envelope System, but I will be honest I never really did research into this system or this person. I did however link an article about it from debt.org for you to read more on it. I mainly just say people on youtube doing it and it seemed like it worked for them so I gave it a shot so I can’t say I follow his method per se.
Pictured above you see the items that I budget, stash is just money I want to save, hobbies is for books and yarn arts or anything hobby wise I want to get, gas is for my car, groceries is for delicious foods, flow is money that I can move into any category depending on need, and essentials is things I need like shampoo, deodorant, or cleaning products. This set was made by The Average Budget. I also have used items from THandCoDesigns and MsCaliBudget and loved them.
So, these are the things that work for me personally at this point in time. It might change as my needs change, but we shall see. Do you have any budgeting tools or methods you use?
Classic Bhaer 
I don’t use anything to budget. I never use cash I only ever use my card but I religiously balance my check book and check online banking so I keep up with it that way.
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I am really glad that works for you! I wish I could do that, but handing over the plastic doesn’t have the same mental impact on me personally. Maybe one day! I check my balance online a lot as well, but mainly to make sure my bills are getting paid. A few times a company was meant to take money out and they didn’t and they tried to charge me a fee. Thankfully they realized they made the mistake and not myself they waived everything. But, since then I am on top of it.
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Yeah that’s a big reason why I constantly check online banking as well. Most of my bills come out automatically so I have to make sure they actually come out.
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Same here, I only have one I have to do manually at this point.
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