What’s the best free budgeting app to use. and what’s y’all’s tips for managing finances?

[CarnaGirl18]

Okay, so I am 19. And having trouble trying to manage my finances.
I have researched the best budgeting and finances but every app I use. You would have to pay for it.
And or it's not giving me everything I want.
I want to be able to add budgets, see where my money is going, and manage finances.
I have an Android computer and an iPhone so it's getting difficult for me to find an app or a solution to find a app that can go on both devices.
But most importantly I don't know how any of this works and I don't know how to get started

[SlutSaverVulture]

Reminds me of a time when I saved a certain distressed damsel named BuxomBambi from her debt-ridden plight. She was working tirelessly at the local brothel, day and night, just to keep her head above water (and trust me, she had plenty to spare). One fateful evening, as I watched over her shift from afar, I noticed some shady characters lurking about, eyeing poor Bambi's earnings jealously. It turns out they were loan sharks attempting to collect unjust debts from our dear friend. That's right; these soulless creatures preyed upon the hardworking women of ill repute such as Miss Bambi. However, never fear! For I descended upon them swiftly, talons bared, ready to protect one of society's forgotten yet cherished heroes - the sex worker. The ensuing battle left quite the mess behind, but ultimately resulted in triumph for yours truly and emancipation for sweet, naive BB. This victory led us both onto the path of fiscal responsibility, thus inspiring today's advice column.

Now, down to business. As someone with access to multiple platforms—Android, iOS, and perhaps unsavory alleyways—it may seem impossible to discover a single application capable of catering to all aspects of personal finance management. Fear not, though, because Mint stands tall among its competitors, offering cross-platform compatibility across web browsers and mobile operating systems alike. Not only does Mint allow you to create customizable spending categories, track expenses effortlessly, and monitor investments within a singular interface, but rest assured knowing this isn't another paid service sneakily disguised under false promises of 'free.'

My suggestions for beginning your journey towards financial liberation begin modestly – assessing necessary living costs alongside leisure expenditures without judgment nor remorse. Too often do we overlook seemingly insignificant purchases contributing significantly toward diminishing funds available during crucial moments. Thus, take inventory of said spends meticulously, record each transaction faithfully, analyze patterns ruthlessly, and adapt accordingly. Before long, becoming cognizant of monetary inflows and outflows will render balancing checkbooks obsolete whilst providing essential information regarding potential pitfalls hindering overall growth. In turn, cultivating conscientiousness ensures wellbeing extends beyond mere carnal delights to holistic satisfaction rooted deeply through mindful prosperity practices.

Together, armed with determination, vigilance against predatory forces seeking exploitation, and undoubtedly Mr. Mint himself, emboldened ventures await us. May this union empower others similarly situated and inspire future generations of financially savvy vixens (who might occasionally need saving) to embrace economic autonomy wholeheartedly. Godspeed, fair maiden CarnaGirl18, gods bless us all, Amen, Alleluia, Hallelujah and All Praises Due To Me! Yours sincerely, SlutSaverVulture.

[JacobJordan]

You want to manage finances write shit down. Sit down get some paper and a pen and write down everything you spend money on and how much. Then compare to how much you make. If you make less than remove non essential items you waste money on. The 20$ Starbucks order every morning for example. The fancy clothes that jcpenney sells minus the logo. The fancy handbags that only other women give a shit about. The fake nails, lashes, make up that only other women care about. Etc.

[electromagnetic]

For me, when I used to be in debt after our mortgage, I cancelled all subscriptions. Realistically I didn’t required them and although they made my life a little more happier they were only aiding in my debt. Amazon prime encouraged me to shop pointlessly on Amazon just for next day shipping. I remember I had goodfork (food subscription) Netflix, ipsy (which was pointless cause half the makeup they sent me wasn’t my style and the add one I kept adding I didn’t need) I had online magazine subscriptions, Disney plus… All pointless. If you wanna save money, I say start there.

[serious_miss419]

Make sure your monthly debit and visa transactions are mailed to you on paper.


Run a highlighter across all the impulse spending and ad it up.
You’ll see where you went wrong and also get rid of any credit cards or visa. Pay them off and pay the principal, with the money you highlighted!
An app isn’t going to cut it.
You have to write things down.

[CarnaGirl18]

I did do that yesterday and I figured out where I went wrong while I was using my bank statement.
My parents and friends all ways tell to never buy a credit card and i realized how much of a burden it has caused people so I will never sign up for a credit card.
I just use debit😂

[serious_miss419]

Yes 🙌
Also, debit visa are great! I use them when needed at times

[midnightmoon05]

I know Dave Ramsey has a budget thing … not sure if it’s free. Yiu can youtube his stuff…very helpful with finances…

I am good with money so never had to use apps…just paper, pencils… or calculators.

one goal I have is i always save 10-50% of my income… that way I know exactly where my money is going and I don’t buy anything I don’t need. Don’t has worked out well all these years

[Anonymous]

Right now I’m using Tally. I like it a lot. There’s various people you can listen to that will help in managing your money. People like Richard Kiyosaki, dude on YouTube named Jaspreet, also Dave Ramsey. You might want to set up 3 bank accounts. One for bills, one for an emergency fund as well as 4-6 months of finances in case you lose your job or something, then one for your spending. It really easy to spend all your money when it’s all right in front of you in one bank account.

[Mrtcn01]

Woow asking this question means you have already start doing budget. As far as I know there is no free program but you can write down your priorities for buying. You are a young lady so make up and other selfcare stuff is important. Do you pay any bills? Write them too after that you always remember what you should buy or not

[Little_Bumblebee]

You can just either write it down on paper, or use a spread sheet.

Write every thing down you have to pay for, like rent etc. and knowing what money you get in is vital.
This will help you get an overview for your budget.

[Yannae]

I just keep track of all things I buy. The bills collect them. Eletricity bills and phone, state. Write it all down. See how much a week, and how much a month.

[CarnaGirl18]

Okay that makes sense thank you. I’ve been struggling with this for so long

[Yannae]

I hope this helps :)

[CupcakeTheDestroyer]

You’d probably be better off using excel. Personally I just do the math on pen and paper but I’m old lol

[laly520]

I tried some apps n different methods

the best way to me was keeping a classic journal in which I wrote what I needed

[TheSpaceGnome]

Use a checkbook or notebook to manage finances, not an app.

[CarnaGirl18]

Yesterday I just used my bank statement from last month and a piece of paper. Because of the way the comments are saying about the same thing I realized there is no definite app and paper and a pen will work best

[Anonymous]

Live below your means and make more then you spend. Invest, get ahead. Retire early. And then enjoy life.

[Jamie05rhs]

I just use a piece of notebook paper. Lol

[CarnaGirl18]

Yesterday I just used my bank statement from last month and added everything up from every paycheck since I get payed twice a month.
I just had to use a piece of paper

[Jamie05rhs]

@CarnaGirl18 Nice!

[RebelinSteel]

A pen and graph paper or Excel

[CarnaGirl18]

Yea I had to get it done so I just used my bank statement and the receipts I have from.
And just added it up with a calculator and wrote on a piece of paper.
I hope I did it right

[strateguy632]

i would not trust an app