I used to use a regular Excel file, butthe world is not worth a place, and more than a year ago I switched to Junk. However, if you are not particularly friendly with computers or mobile applications, then also try starting with an Excel file or a regular paper notebook. And to the question why all this is needed at all, read in my post - How to keep a family budget.
Honestly, I resisted for a very long time.transition in service, the habit because this thing is. But, when once again, I was faced with the fact that in my file there was not enough currency exchange, input of expenses in another currency, it is impossible to quickly add a source of income or a category of expenses, I realized that it was time to move to more technological solutions, where all this done in two clicks.
The content of the article
- 1 My short review about Drebedengi
- 2 Preparation before use
- 3 How to use the Trash
- 4 Keeping a budget in another country
My short review about Drebedengi
Why did I choose them? It's simple - their structure / logic roughly corresponds to what I had in the Excel plates (and in my head). That is, I took installed several applications on the phone, and looked at how much time I needed to figure out and whether it was convenient for me.
The easiest thing for me was Drebedengi. That is, not that I advise them directly, they just come to me. And you will have to choose what is convenient for you. By the way, there is a demo mode on the site, you can always enter and climb inside without registration.
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Also besides simple logic, the advantage is thatThat Chatter is a service consisting of applications on the phone (Android, iOS) and the browser-based online version. And, by the way, it is the site itself that is the main service, where budget planning takes place, cost categories and storage locations are created. And mobile applications perform only the function of marking spending. Something in this spirit was what I needed.
The planning section is charged (500rubles / year), as well as the use of the application (50 rubles / year). In my opinion, 550 rubles absolutely small money for such a service. And do not over wisely over files in Excel every time. People out on online games spend more. But, if it is fundamentally for you to use a free service, then you have to, or use Chast without planning and without an application, or look for something else, there are options.
Preparation before use
There are not many preparation steps. If you have already been on a budget before, then you will have no problems, do everything in 10-30 minutes. So, you need to decide on the categories of costs, sources of income, storage places. All this is done only on the site, nothing can be created in the mobile application!
Here you set the names of your expenses: Food, Household goods, Rent, Travel and so on. You can literally make 2-4 articles, and you can make 10-20 in great detail, including with nested items. It is also possible to drag the already created categories with the mouse in the order you need and change their names at any time.
Periodically, I change the cost items, althoughIn general, this structure for several years. At first I had everything in great detail, 1.5–2 times more, but then I combined many categories. It makes sense to leave the categories that you will analyze, or for which you need to control spending.
The service has a transfer function of spending from one category to another. This may be necessary, for example, if you want to remove a cost category.
Sources of income
It’s about the same as in the previous oneparagraph, in the sense that the essence is the same. Most likely, the sources you will have literally a few pieces, such as "My salary" and "Wife's salary". Freelancers and entrepreneurs of all kinds have more sources: income from different affiliate programs, contextual advertising, services rendered, and so on. Again, you can split up in detail, and can be combined into one category. I will also be reducing the number of sources at my place, but it has multiplied.
Here you can also write such items of income as "Interest from the deposit", "Gifts" and so on.
The principle is the same - we indicate all bank accounts andcards, e-wallets, deposits, in general, everything where you have movements of funds. I used to have two of my bank cards, cash and two electronic wallets. Now points are much more, as well as cards with accounts. I can’t imagine how I would keep it just in my head.
At the stage of creating storage places, it will be necessary to specify the amounts that are currently in these accounts. This will be the starting point of your finances.
How to use the Trash
I do not have all the features of the Chatter serviceI use, but for the most part. The main thing that I need is a note of spending and planning. Therefore, I will tell only about it. I will try to briefly the very essence, otherwise the post will be very long. If anything is not clear, ask in the comments, I will answer.
Expenses / Revenues / Relocations / Exchanges
Expenses are noted in order to control the expenditure of funds, as well as to have statistics on expenses, then you can see it on a separate page or on a graph.
Revenues are needed for statistics, and to understand your reserve, that is, the difference between income and expenditure.
Movements are needed in order to moveyour funds between accounts. For example, you transfer money from one card to another, or put money into an e-wallet, or withdraw cash from a card. All these operations need to be entered so that the balance is displayed correctly in all storage locations.
Exchanges are used for currency exchanges. You can enter as a currency exchange within one storage place, and between different places.
All already made transactions are displayed in the list below. You can set the filter on the display of operations for the current month, for the previous one, for six months, year and so on. My current month is always shown.
We bring in operations
Selecting the desired tab, you simply enterthe required amount, the currency of payment, choose the cost category or source of income, as well as the storage location. You can also write a comment (“Auchan”, “transferred my wife to the map”, “bought 100 bucks”, etc.). A comment may be useful in the future in two cases: you will need to remember what it was for the operation, or you can filter the list by comment, for example, show all expenses with the word Auchan or the supermarket.
Instead of comments made on the go, you canspecify the tags you want to create in advance, as well as Cost Categories / Revenue Sources. This is convenient for reducing the number of categories. For example, you can create the categories “Supermarkets” and “Cafe” and not use tags, or you can create the category “Food” and two tags “Supermarkets” and “Cafe”. In the latter case, you see how much you have spent on food in total, as well as how much for each of the tags.
When you enter transactions in the application, it is synchronized in the background (if you have an Internet connection) and your data becomes visible in the browser version.
Select “Enter Operations” on the left of the menu (this page opens initially) and see a window in front of you where you can select the “Expenses”, “Revenues”, “Movements”, “Exchanges” tabs.
In the mobile application
Selecting the "Input" tab at the top (it opens by default itself), you see below other tabs: Expenses, Revenues, Movements, Exchanges. We select necessary and we bring operation.
Also, there is still at the top of the tab "Balance" and "Reports." The first one talks about how much money you have in your current accounts, and the second one tells you where you spent money today, yesterday, the day before yesterday, and so on.
This is an even more important section for me, because with it you can plan future trips, purchases, savings. How is it convenient to know how much money you will have in six months.
Family budget planning section, you cansay, it is not related to your current expenses and incomes, that is, nothing is automatically calculated, therefore, you need to enter everything manually. This is not for long, it takes about 5-10 minutes, but this is if you have been running a budget for a long time and know all the amounts from memory.
You need to create a list of approximate expenses andlist of approximate monthly incomes with amounts. After that, set the duration of such a plan, for example, 6 months, and in fact, everything. At any time, the entire plan or a specific month can be edited. And when the period ends, you can delete the plan and create a new one. Well, or delete earlier if required. The only pity is that you can not create several plans with different layouts at once to play with numbers.
Go to the "Budget Planning" and click"Create". In the next window, enter the parameters you need: the frequency of the plan (weekly / monthly), the duration of the plan (number of months), and your income. Here you can simply indicate the total income, but you can by sources, then he himself summed.
Go to the "Budget Planning" and click"Create". In the next window, enter the parameters you need: the frequency of the plan (weekly / monthly), the duration of the plan (number of months), and your expenses. Here you can simply indicate the total consumption, but you can by cost categories, then the consumption itself is summed up. Also here you can add savings to the plan and debts.
Budget Analysis and Statistics
In a separate section "Charts, Reports, History"(this item is located on the left in the menu) you can analyze all your operations, both income and expenses. In the middle window there is a bunch of filters with which we can get the list of operations we need. Here it is possible to categorize both by storage and tagging and commentary (and only the first few letters of the comment can be written).
The window to the right defaults to display “Costs” by"Months". Instead of "Expenses" you can see "Income", "Balances" and "Income + Expenses". Instead of the “month” you can choose to display by “days”, “weeks” and “years”. But it is more interesting to look at it graphically, such a function is also at the bottom of the window - “Show dynamics on a chart”. The graph shows both total income / expenses and specific categories. Unfortunately, his possibilities end there.
Keeping a budget in another country
I remember, I was somehow asked what to do when you are in another country, how to keep the budget, because we pay in foreign currency, and are withdrawn in rubles (as a rule, all cards have rubles).
In Thailand, I just did - noted all cashin baht (because before that I had withdrawn cash baht at an ATM). When paying by card, I immediately noted the amount in rubles (and not in baht), which came to me by SMS. Well, when withdrawing cash from an ATM, I did “Currency exchange” and at the same time indicated different storage locations.
So it will be easier to create a new currency "baht" in the "References / Currencies". By default, there are initially only rubles, dollars and euros.
P.S. Here is a mini-instruction turned out, like the main thing all told.
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