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And if you want a tool to help you settle the bills and keep tracks of where money went or who spent it you can use Cospend with nextcloud. Source: over 1 year ago
Hi! I'm almost completing my nextcloud-for-almost-all setup, but there is only one thing missing. Simple expense tracker app for personal usage. There was Cospend, which is quite advanced app. I don't even think it is just expense tracker. It is budget manager for multiple user scenarios. Source: about 2 years ago
Maybe this can be used for that: Https://apps.nextcloud.com/apps/cospend. Source: over 2 years ago
Later we moved that onto Nextcloud, using the Cospend app, which worked really well. You can also define a 60/40 division. Source: about 3 years ago
You'll be going into a tight budget time, so get a really good system in place. If you don't have that you love already, I recommend YNAB (youneedabudget.com). It's envelope based and is really good for planning ahead for irregular expenses and for "rolling with the punches" if something comes up. It works differently than traditional monthly budget, so take time to use all the resources to learn the system. ... Source: 10 months ago
I also said in a comment below, I use YNAB to track my financial life. This strategy only works if you have enough confidence in your finances to know that if I gave you a card with 100k credit limit, you would never spend more on it than what you have in your bank and has been budgeted for. If not, I cannot overstate how important it is to get your budget in order beforehand. There’s zero money saved if you pay... Source: 11 months ago
If you aren’t already giving every dollar you make a job, earning more money will only get you so far. Check out YNAB, read all the free content about learning to plan and budget. Source: 12 months ago
Track it by hand or in software. I started out with just a spreadsheet, but since then moved my whole budget to YNAB (youneedabudget.com), where you track all your individual savings goals as well as how your money will be used to cover regular (and irregular) expenses. Now the whole plan is in one place, and covers everything from how much is set aside for gardening supplies for this summer to the big... Source: about 1 year ago
Aside from all the other advice, get a subscription to YNAB (youneedabudget.com) and start using it religiously. It will help prevent any backsliding and will put you in a much better financial situation going forward. Source: about 1 year ago
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