As you know, i recently discovered an awesome budgeting program called YNAB – http://ynab.me/chrissie – however, I want you to also be aware that I’ve also discovered a superb debt calculator excel spreadsheet within Vertex42.com. Here’s my full reviews of them both.
Guys and dolls – I’ve seen the light. I’m budgeting for the first time in my life and I’m loving it! I know it’s only been just under 2 weeks, since I’ve been serious about budgeting, but believe me when I say that this is a BIG DEAL for me. You have to know that I have never balanced my money in a budget way – ever – in all of my 43 years on this golden planet.
When I found You Need A Budget, I was intrigued by its quirkiness, just like me 🙂 I like its layout and style, and absolutely love the free workshops and forum support. The accompanied iPhone app is slick, but most importantly, what really gets me excited is the fact that it just works for me. it gets me. Not a lot of things or people do, so for me, this was a blessing.
I’m now excited whenever I spend any money, and then have to add it to my iPhone or desktop applications. I’m loving the fact that I’m tracing my money, and it’s making me ‘think’ about what the hell I’m spending, and whether I should be spending it in the first place. I also have to add that I’m now creating ‘lists’ for whenever I plan to do any shopping. I stuck with it today when I went to the Supermarket. I never have a list!
Please check out You Need a Budget (YNAB) through the following link below. Try it out by the 34-day free trial, and see how you get on – especially if you’ve never budgeted before. I cannot get enough of this application.
Debt Calculator Spreadsheet:-
I discovered the Vertex42 website when I was searching the web, looking for an easy to use spreadsheet debt calculator, so I could see my debt going down every time I ‘add’ any snowflake money to my debt (snowflake = additional money to reduce my debt which I have not budgeted for each month – any spare cash I’m left with, so to speak). There’s so much information out there, however for me, this spreadsheet – created by Dr Jon Wittwer – is exactly what I need. It’s superb, smart, user-friendly and ‘free’.
Please check out both YNAB & Vertex42 – their websites are below. Just copy and paste them into your web browser if the links below do not automatically take you to the websites once you click on them. Believe me, you won’t regret it – I’m not!