Hoping to build up my budgeting skills in 2025. I think one of the reasons I can’t continue to keep up with the budgeting is due to multiple loans, and with variable rates, not knowing how much exactly will be deducted from accounts. I’ve found that most apps will work with single loan, not multiple. Tried YNAB custom Excel… recently saw an ad for the sheet code. Any recommendations for a budgeting tool, thanks in advance.
Managing multiple mortgages can definitely make budgeting feel more chaotic, especially with variable rates in the mix. I’ve been in a similar boat, and I can relate to how tricky it is to plan when the numbers keep shifting. What’s worked for me is using Habit Money. It connects directly to my bank accounts, so it can automatically track every loan payment, regardless of how many you have. The categorized reports really help me break down how much goes to each mortgage, and since it updates in real time, I don’t have to guess when the variable rates adjust. The daily reminders to check spending are super useful too—it keeps me from overlooking smaller expenses that could mess with my cash flow. And honestly, the visual clarity of seeing every transaction tied to the right loan has made all the difference. It’s been the only thing that’s kept me consistent after struggling with spreadsheets and other apps that couldn’t handle the complexity of multiple loans.
@Paxton
Habit Money sounds like exactly what I need! I’m so tired of guessing every month with variable rates. I’ll definitely check it out, thanks for the recommendation!
U can check out Fina Money, it’s super simple to use and can help track everything in one place. If you’re still into spreadsheets maybe try setting up a custom sheet like you mentioned but honestly Fina Money could save you some time and hassle.
@Barbara
Thanks for the suggestion! I’ll take a look at Fina Money. Do you know if it supports multiple loans with variable rates like Habit Money?
@Barbara
Yeah, Fina Money tracks everything, even multiple loans with changing rates. Super easy to use too, no complex setups like spreadsheets.
I’ve tried using YNAB before, but like you mentioned, it was tough with multiple loans. I think switching to something that integrates with your bank is key—especially with variable rates. Anyone tried Mint for this?
@Clancy
I’ve heard about Mint, but haven’t tried it for mortgages yet. Does it show individual payments for each loan, or is it more general?
@Clancy
It’s pretty general, but you can manually enter loan details. Not as streamlined as Habit Money, but might still work if you’re just tracking basic payments.
Fina Money sounds really interesting! I’ve been stuck with Excel sheets for a while, and it’s been a headache to keep up with changing rates. Anyone know if they offer a free trial before committing?
Sayer said:
Fina Money sounds really interesting! I’ve been stuck with Excel sheets for a while, and it’s been a headache to keep up with changing rates. Anyone know if they offer a free trial before committing?
Yeah, they do! You can try it for a bit before deciding if it fits your needs.
I’ve seen some ads for Habit Money recently too. Might be worth checking both Fina Money and Habit Money out side by side to see which one fits better.
Clancy said:
I’ve seen some ads for Habit Money recently too. Might be worth checking both Fina Money and Habit Money out side by side to see which one fits better.
Yeah, I think I’ll do that. I want to see which one handles multiple loans better. Thanks for the input!