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?
I just use auto-pay for all my regular bills. That way I don’t need to remember what is due when. That should reduce the need for you to track them, assuming you do have enough money to pay them at the scheduled time. If you still want to log them, fixed amounts like rent/phone/insurance can be done way ahead of time. Variable payments like credit cards or utilities can’t be done earlier, but after some time you could start estimating what they will be based on averages.