Comments on: Getting started with the envelope budget method http://www.gatherlittlebylittle.com/2008/08/envelope-budget/ Proverbs 13:11 - "...he who gathers money little by little makes it grow." Wed, 08 Feb 2012 18:29:01 +0000 hourly 1 By: cjhttp://www.gatherlittlebylittle.com/2008/08/envelope-budget/#comment-21164 cj Tue, 31 Aug 2010 19:57:13 +0000 http://www.gatherlittlebylittle.com/?p=1012#comment-21164 Ok so I’ve tried many different software programs and online programs. I like a couple different ones but they don’t do everything I like. The one I like is moneyfolders.com but you can’t edit in that one and I can no longer get a response from the guy. I did have a couple other issues with that program as far as not being able to see all the splits related to a certain transaction. I have been using neobudget but don’t like having it online. Especially since if we have to cut an expense internet will be a first. Plus it does not have a recurring balance related to transactions. Just a current balance. So if I print something out it wont have the balance with it like a register does. I LOVE http://www.mdmproofing.com/iym/products/envelope-check-register/ but made some adjustments to it as far as my balance line is below the transaction so there is a constant balance. BUT I have too many categories for this to be a truly effective way of doing things and printing them out. That’s why I had started with the other two programs. SO here I am again researching and looking for a new program. I want the program/spreadsheet to do::: Show balance after everytransaction, easily editable, can print register w/details of splits, can split all transactions including deposits, would like to have the ability to have a main envelope like gas where all the money transactions come in and out of but a sub category like auto gas van and auto gas car so I can track which vehicle it is for. Would like the transactions for each envelope to go to a report page I have that has the year at a glance of what was spent in the categories. I’m tired of having to do something in another program and then in excel or 4 different wkshts in excel. I don’t know how to do anything in excel except the typical formulas. ANY help or thoughts on this would be great. I LOVE the envelope methiod and have been able to maintain a high daily balance with my cheking acct because of it and know all my bills can be paid. BUT we do over spend easily because we don’t input the info regularly.Using cash doesn’t help we just spend it more easily. I’m so frustrated with it all that we haven’t entered our info in over 2 weeks and I am positive we have overspent greatly. I don’t know if I’m micromanaging things with the categories but when I don’t track things in detail then we wondering “how often are we buying cat litter” or when was the last time we bought gas for the lawn mower? those types of questions send me into micromanaging. HELP PLEASE Ok so I’ve tried many different software programs and online programs. I like a couple different ones but they don’t do everything I like. The one I like is moneyfolders.com but you can’t edit in that one and I can no longer get a response from the guy. I did have a couple other issues with that program as far as not being able to see all the splits related to a certain transaction. I have been using neobudget but don’t like having it online. Especially since if we have to cut an expense internet will be a first. Plus it does not have a recurring balance related to transactions. Just a current balance. So if I print something out it wont have the balance with it like a register does. I LOVE http://www.mdmproofing.com/iym/products/envelope-check-register/ but made some adjustments to it as far as my balance line is below the transaction so there is a constant balance. BUT I have too many categories for this to be a truly effective way of doing things and printing them out. That’s why I had started with the other two programs. SO here I am again researching and looking for a new program. I want the program/spreadsheet to do::: Show balance after everytransaction, easily editable, can print register w/details of splits, can split all transactions including deposits, would like to have the ability to have a main envelope like gas where all the money transactions come in and out of but a sub category like auto gas van and auto gas car so I can track which vehicle it is for. Would like the transactions for each envelope to go to a report page I have that has the year at a glance of what was spent in the categories. I’m tired of having to do something in another program and then in excel or 4 different wkshts in excel. I don’t know how to do anything in excel except the typical formulas. ANY help or thoughts on this would be great. I LOVE the envelope methiod and have been able to maintain a high daily balance with my cheking acct because of it and know all my bills can be paid. BUT we do over spend easily because we don’t input the info regularly.Using cash doesn’t help we just spend it more easily. I’m so frustrated with it all that we haven’t entered our info in over 2 weeks and I am positive we have overspent greatly. I don’t know if I’m micromanaging things with the categories but when I don’t track things in detail then we wondering “how often are we buying cat litter” or when was the last time we bought gas for the lawn mower? those types of questions send me into micromanaging. HELP PLEASE

]]> By: Father Sez » Archive » Helping to set up my daughterÂ’s monthly budgethttp://www.gatherlittlebylittle.com/2008/08/envelope-budget/#comment-7499 Father Sez » Archive » Helping to set up my daughterÂ’s monthly budget Mon, 27 Oct 2008 00:40:13 +0000 http://www.gatherlittlebylittle.com/?p=1012#comment-7499 [...] the well written piece on this subject by guest poster Luke from NeoBudget on Gather Little by Little.  (NeoBudget is an online budget manager that uses the envelope method to help you track your [...] [...] the well written piece on this subject by guest poster Luke from NeoBudget on Gather Little by Little.  (NeoBudget is an online budget manager that uses the envelope method to help you track your [...]

]]> By: Back To Basics: 79+ Brilliant Budgeting Resources You’ll Love | My Super-Charged Lifehttp://www.gatherlittlebylittle.com/2008/08/envelope-budget/#comment-7500 Back To Basics: 79+ Brilliant Budgeting Resources You’ll Love | My Super-Charged Life Tue, 14 Oct 2008 11:05:09 +0000 http://www.gatherlittlebylittle.com/?p=1012#comment-7500 [...] 16. Getting started with the envelope budget method [...] [...] 16. Getting started with the envelope budget method [...]

]]> By: Lukehttp://www.gatherlittlebylittle.com/2008/08/envelope-budget/#comment-7496 Luke Thu, 04 Sep 2008 00:24:07 +0000 http://www.gatherlittlebylittle.com/?p=1012#comment-7496 Jack, with a software program (like NeoBudget or YNAB), you can go negative in an envelope too. That's what I like about it. Running a negative balance is bad (obviously), but one month I might spend $20 extra on groceries, so I just know I need to tighten the reigns the next month to get it back in the black, or transfer something from another envelope. Either way, the envelope method is still working for you. If you cut your spending next month to make up for this month's deficit, then that's the best way to recover a negative balance. If you transfer money from another envelope, it just means you're tightening the reigns in other areas to make up for spending extra in groceries. It's still essentially keeping within your budget as a whole, just sacrificing in one area to make up in another. The envelope method doesn't need to be completely strict. But it certainly is an excellent guideline. I've loved using it, and why I felt compelled to write this article to share the beauty of it with others. Luke Jack, with a software program (like NeoBudget or YNAB), you can go negative in an envelope too. That’s what I like about it. Running a negative balance is bad (obviously), but one month I might spend $20 extra on groceries, so I just know I need to tighten the reigns the next month to get it back in the black, or transfer something from another envelope.

Either way, the envelope method is still working for you. If you cut your spending next month to make up for this month’s deficit, then that’s the best way to recover a negative balance. If you transfer money from another envelope, it just means you’re tightening the reigns in other areas to make up for spending extra in groceries. It’s still essentially keeping within your budget as a whole, just sacrificing in one area to make up in another.

The envelope method doesn’t need to be completely strict. But it certainly is an excellent guideline. I’ve loved using it, and why I felt compelled to write this article to share the beauty of it with others.

Luke

]]> By: David L. Brownhttp://www.gatherlittlebylittle.com/2008/08/envelope-budget/#comment-7498 David L. Brown Tue, 02 Sep 2008 05:07:51 +0000 http://www.gatherlittlebylittle.com/?p=1012#comment-7498 Hi, glblguy, David here, I did read your reviews, I am a user of YNAB PRO 2.0 I do so enjoy this budgeting software, as I said on other posting, YNAB PRO 2.5.6 is a life saver, to say the least...I can not say enough thanks you to Jesse and Julie...So thank you both and your staff, here is 1,000 thanks you....Great job, Great budgeting software... Jesse and Julie, God bless you both, and your staff too! You can update your YNAB PRO, if you own a purchased copy/download of the full working edition...the new update is YNAB PRO 2.5.6 Thank you again for kind comments of the budgeting software YNAB PRO it is worth the $39.00, the best investment that I have ever made... anyone reading this posting, please do give YNAB PRO a try and see how much easier your budgeting will be... YNAB PRO 2.5.6 does deliver and the forum is a place to ask or share your issues that you might want to get help with... Hi, glblguy, David here, I did read your reviews, I am a user of YNAB PRO 2.0 I do so enjoy this budgeting software, as I said on other posting, YNAB PRO 2.5.6 is a life saver, to say the least…I can not say enough thanks you to Jesse and Julie…So thank you both and your staff, here is 1,000 thanks you….Great job, Great budgeting software…

Jesse and Julie, God bless you both, and your staff too!

You can update your YNAB PRO, if you own a purchased copy/download of the full working edition…the new update is YNAB PRO 2.5.6

Thank you again for kind comments of the budgeting software YNAB PRO it is worth the $39.00, the best investment that I have ever made…

anyone reading this posting, please do give YNAB PRO a try and see how much easier your budgeting will be…

YNAB PRO 2.5.6 does deliver and the forum is a place to ask or share your issues that you might want to get help with…

]]> By: glblguyhttp://www.gatherlittlebylittle.com/2008/08/envelope-budget/#comment-7495 glblguy Mon, 01 Sep 2008 19:05:45 +0000 http://www.gatherlittlebylittle.com/?p=1012#comment-7495 You can find a full review that I did of YNAB Pro<a href="http://www.gatherlittlebylittle.com/2008/03/04/you-need-a-budget-pro-ynab-review/" rel="nofollow">here</a>. You can find a full review that I did of YNAB Prohere.

]]> By: David L. Brownhttp://www.gatherlittlebylittle.com/2008/08/envelope-budget/#comment-7494 David L. Brown Sun, 31 Aug 2008 21:12:33 +0000 http://www.gatherlittlebylittle.com/?p=1012#comment-7494 I have ever made...at I have purchase several budget software programs...and this one costed me less than any of the others and it works better and performs better too, not hard to use, ask your questions on the forum and you will get help, that is what solded me on my purchase...a friend of mine told me about YNAB PRO and I am never going to use anyother software for my budgeting needs... I have ever made…at I have purchase several budget software programs…and this one costed me less than any of the others and it works better and performs better too, not hard to use, ask your questions on the forum and you will get help, that is what solded me on my purchase…a friend of mine told me about YNAB PRO and I am never going to use anyother software for my budgeting needs…

]]> By: David L. Brownhttp://www.gatherlittlebylittle.com/2008/08/envelope-budget/#comment-7493 David L. Brown Sun, 31 Aug 2008 21:09:07 +0000 http://www.gatherlittlebylittle.com/?p=1012#comment-7493 Hi, David here...If you want a budget software that really shows you the real truth about budgeting, check out YNAB PRO that software has -4- laws of budgeting and also each law is explained via a video, each law is fully explained and via the video, all the operations of each law are explained...Also they have a very very well operating forum too, you can get help, post any questions that you feel you need further help with and yes they will get back in touch with you, they are very good....Jesse is the founder of YNAB PRO and I am so pleased that I found him and his wife and all of his staff, they are a true blessing to me...I strongly recommend YNAB PRO to anyone that wants to get their budget together... Erin, is one of the coaches at YNAB PRO and she is very good... YNAB PRO is the best investment that Hi, David here…If you want a budget software that really shows you the real truth about budgeting, check out YNAB PRO that software has -4- laws of budgeting and also each law is explained via a video, each law is fully explained and via the video, all the operations of each law are explained…Also they have a very very well operating forum too, you can get help, post any questions that you feel you need further help with and yes they will get back in touch with you, they are very good….Jesse is the founder of YNAB PRO and I am so pleased that I found him and his wife and all of his staff, they are a true blessing to me…I strongly recommend YNAB PRO to anyone that wants to get their budget together…

Erin, is one of the coaches at YNAB PRO and she is very good…

YNAB PRO is the best investment that

]]> By: Uncommonadvicehttp://www.gatherlittlebylittle.com/2008/08/envelope-budget/#comment-7497 Uncommonadvice Sun, 31 Aug 2008 11:38:25 +0000 http://www.gatherlittlebylittle.com/?p=1012#comment-7497 I like the simplicity of this method. Solid advice. I like the simplicity of this method. Solid advice.

]]> By: Danahttp://www.gatherlittlebylittle.com/2008/08/envelope-budget/#comment-7491 Dana Sat, 30 Aug 2008 17:12:53 +0000 http://www.gatherlittlebylittle.com/?p=1012#comment-7491 Great recommendation! I have been using Mvelopes and I like this system MUCH better. I now have a concrete plan to pay down my debt. Thank you!! Great recommendation! I have been using Mvelopes and I like this system MUCH better. I now have a concrete plan to pay down my debt. Thank you!!

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