Hi, Folks--I haven't been on the boards in a long time. I hope everyone is doing OK!
I started reading a blog recently about money management. And some of the contributors mentioned online budgeting programs, such as Mvelopes, Mint.com and You Need a Budget. I'm trying out all three of them, and I have to say, I'm not thrilled with any of them. They either 1) aren't functioning properly (i.e. not importing my financial info); 2) Have no way to set up starting balances on accounts (they will only "read" what you've currently got in your bank account); and 3) Are just utterly confusing to use.
Basically, here's what I've been doing for a while now. Following Mary Hunt's advice (at least I think it was her), I set up a Freedom Account to cover things such as birthdays, holidays, car insurance, etc. that recur occasionally. Every paycheck (2x a month), $70 goes into that account, and I fund the different categories. I've been doing this with a manual spreadsheet I found for free on the Internet. Every week, $20 goes into my travel fund, but I do not manually track that. All of these programs require me to manually do a split for the Freedom Account, which is a bit time consuming and tedious. I've found limited support (or in some cases, what I suspect is 'bot support.)
What I'd like to do is get a better handle on where my paycheck is going. I don't use cash much, so I'm trying to track the debit card. I want to be able to see how much I've spent on, say, gas for the car in the last few months. I'm not a daily-latte-and-newspaper kind of gal, so I don't really need a little notebook where I write down every expense.
Can anyone recommend a better (and free or cheap) program for what I'm attempting to do?
What's your experience with any or all of these programs/sites?
Thanks!