I feel like I’ve tried every single app for financing out there. So far ynab does good but I fall off from time to time. Tracking stuff on my phone seems like it’s great in theory for most but I over complicate it every single time.

One big issue for me is sometimes I’ll do a pending payment and it won’t come out for a few days I might forget about it. I end up paying another bill and I end up over extending myself. Doesn’t happen every week but seems like it happens monthly.

Anyone have a simple system for tracking bills due, ones that are pending being paid?

  • dhork@lemmy.worldEnglish
    3·
    11 days ago

    These are all bills that are due around the same time every month, right? I have a physical sheet of paper with:

    • a matrix of every monthly bill, marked with dates that are about 1 wk before the typical due date
    • a second matrix of quarterly/yearly payments and when they are due

    (It’s actually stored in a spreadsheet, but I check over the spreadsheet file and print a new one every year.)

    And then I look at it a few times a month, and pay whatever happens to be due.

    I go the extra mile and insist on paper statements for all things that might be variable (like credit card statements). The bills go into a to-do folder, and when I have time to pay bills I go through the pile, pay them, and mark things paid on my sheet. Then at the end of the pile, I review the sheet again to note things that might have slipped.

    I do all the bill payment through my bank electronically, so at least I’m not writing checks every time…