Planning a house budget is not an easy issue, but still, it concerns every one of us. It is worth keeping up to date with all your needs and expenses. We use all range of online guidebooks and smartphone applications. In case of emergency, a prompt loan might come in handy.
First steps in planning
Every month we are obliged to pay current fees. Additionally, it is an every day reality to run errands and buy groceries. Let us not forget about costs of maintaining a car, buying clothes, or furnishing home. While planning a house budget, it is advised to prepare a list of our income and estimate the expenses. It is best to divide fixed costs into categories, e.g. electricity and water bills, groceries, fuel. We need to note down the actual expenses. If such actions are not our strong asset, then we can seek help with smartphone applications.
Applications for thrifty people
The following free applications are a great help for controlling house budget:
- Mint: Personal Finance – for iOS
This application simplifies controlling our expenses. It is easy to synchronize it with bank accounts and credit cards. Also it generates current budget reports. Forgetful ones will appreciate the option, which reminds about the upcoming bills.
- My Budget Book – for iOS and Android
My Budget Book is dedicated for planning a house budget through the ability to analyze the expenses and planning purchase. Comprehensible charts and tables help to calculate income, bills, installments, daily expenses, and more complex investments. The user can divide the expenses into categories, prepare calculations, set up standing orders, make notes. The creators of My Budget Book added a search engine, which helps users to find a particular purchase.
- Home Budget Manager Lite – for iOS and Android
This application allows users to keep track of current expenses, it also informs about the upcoming income and costs to be covered. Expenses are classified into categories, which helps the user to check what is most money-consuming. Home Budget Manager also creates charts and statistics. A great advantage is ability to synchronize accounts.
Other helpful web sites
Internet is full of noteworthy web sites and blogs, which can help to plan a house budget.The following sites are just a few examples:
This is one of the biggest blogs full of financial tips. It started in 2006, and on regular basis – every day we can read articles on saving, investing, or how to take a loan reasonably. The tips are clear and are based on real life experience.
And Then We Saved is created by a duet: Joshua Fields Millburn and Ryan Nicodemus. The authors of this web site write e. g. about reasonable purchase, getting rid of obstacles which disturb our life, and also show the minimalist interior of apartments. It is a lifestyle blog, very helpful not only in arranging everyday life, but also in changing a way of spending money.
This web site is divided into many categories. We can find here comprehensive advice on investing, money saving, career, loans, or pensions. This internet guide is designed for American recipients, but still, many tips are of a universal character.
But first of all – common sense
The above-mentioned applications and web sites are only a few chosen ones, which can help to plan a house budget. Common sense and a right perspective on our life are the most important things in managing finances. It is impossible to avoid unforeseen expenses, and in this case taking a loan might be a way out. What matters is to choose a loan company, which does not surprise us with hidden commissions and costs, and therefore will help us to plan our expenses in the next month.