I can't make anything work for me. YNAB is too complicated for me right now. The envelope system doesn't work using cash because I can't live life with bundles of cash. Good budget is the closest thing so far but little things are confusing me. I get paid about 2200 a month and honestly should have hundreds left over. 1356 social security deposit and biweekly 425 or so.
Good budget is great because i enter everything manually similar to the envelope system. However even if I have 600 dollars income in "spending" money or savings budgeted for the month which zeroes the accounts, in reality today I have about 1300. And won't have the other bunch until throughout the month.
This is where my problems arise. I want to make some purchases today. And I can budget it from my blah blah blah envelope. But I only have 1300 not the 2200 I actually budgeted for right now. So I don't know what I can actually spend today.
Like if I spend a couple hundred it's okay because it's in the budget. But then it's not okay because now I'm freaking out because my account gets lower and lower uncomfortably until I get paid again, even though both my budget and the app tell me I am way ahead.
I'm getting frustrated to the point of tears that I find this so complicated. I like to think i am decently intelligent so I don't know why a budget blows my mind.
Edit: budget looks roughly like this:
Rent 675
Food 300
Gas 80
Insurance and debt 200
Eating out 200
Subscriptions 55
Random and impulse 150
Utilities 200
Entertainment 3oo
This leaves about 180 to throw around wherever I want. Savings, debt etc. I don't know how much I actually eat out or spend on entertainment because this is my first month trying to keep track. I tried to over budget rather than under so I could take from those categories if I needed anything.
I also have 200 dollars a month unbudgeted as rent help from girlfriend living with me. And unbudgeted food money from her as well. I leave these unbudgeted because things can change and Is prefer to have those be bonuses I can put towards something rather than counting on them.
Edit2: total of all debt is 800 in credit card and medical.
Submitted April 29, 2017 at 05:54AM by trogg21 http://ift.tt/2pIbvS1
