I (49F) and my husband (48M) are very much in debt and it's my fault. Don't come at me saying it's his fault too, it's not. I am very hard headed and even when he tries to get me on a budget, I don't do it and I still overspend. This is MY FAULT. I want to file bankruptcy, he feels guilty and embarrassed and morally responsible for the debt, and he's right, we are. Could we buckle down, get second jobs, maybe... Source: 6 months ago

What worked for me was for the two of us to work together on our monthly budget. (We actually have 3 budget meetings for each paydays- all of the debts and bills - Then we discuss where all of the money goes. Which savings what we want to fund etc) We wanted to be fully debt free. We use the Dave Ramsey Zero based budgeting (with tweaks because we’re not Christians) It helped us greatly. It also helped me... Source: 7 months ago

I unfortunately have a ton of debt I need to focus on. I have been using undebt.it, which is fine, but it is all manual. I need something that is automatic and will pull data to show me min payments, payments to stay on my plan, etc. Any of these mint alternatives excel at this? Source: 7 months ago

You are not on the float, you are in debt. https://undebt.it/. Source: 12 months ago

Sorry, me again. I’ve just remembered a great website I used to help pay off debt quicker. It’s totally free! You basically but in all your debts and how much APR/interest you are paying and it will figure out how much to pay off each so you pay off quicker and pay less interest overall. Undebt.it. Source: almost 1 year ago

I use Actual budget. It’s open source, free, but you’ll have to figure out hosting. Bank sync is currently provided in North America by SimpleFin ($15/year) And in Europe by GoCardless I host mine in a Docker container on my NAS. [1] https://actualbudget.com/. - Source: Hacker News / 3 months ago

If you are tech-savvy then maybe https://actualbudget.com/ - similar to YNAB, but free & open-source. Source: 6 months ago

Looks visually quite similar to https://actualbudget.com/ (open-source, local-first). Did one influence the other? Are they both inspired by some other budget software? - Source: Hacker News / 9 months ago

I use https://actualbudget.com/ locally. You have to import your transactions yourself and it's all local. Source: 12 months ago

If you have the ability to selfhost, Actual budget has been my go to for budgeting. I just input bank transactions usually weekly and assign the transaction to it's appropriate category. Source: about 1 year ago