Which app is simple and easy to use and closely mimics the envelope budgeting system? I liked Qube Money, but I need something both my partner and I can use, and we can’t afford a subscription.
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Spreadsheets are what I use for budgeting, goal-setting, and cost tracking.
Applescript for process automation and Apple Numbers on a Mac
I could simply apply “envelope budgeting” because there are no monthly fees and it’s easy to personalize.
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MoneyPatrol is one of the best envelope-based budgeting software. MoneyPatrol allows users to allocate money to their envelopes manually or automatically.
Hi Barbara!
The envelope budgeting system is a time-tested method for managing personal finances.
There are a few apps that stand out for effectively mimicking this system in a digital environment.
Goodbudget is one of the top recommendations, offering a digital version of the envelope method.
It allows users to create virtual envelopes to categorize their spending and monitor their budgets without the need for physical cash envelopes.
Another notable app is RealBudget, which caters to users who prefer a more manual approach and opt not to connect their bank accounts to an app.
It provides a straightforward, ad-free interface and the flexibility to create multiple envelopes for different spending categories.
Both apps offer free versions with basic features. Goodbudget’s free plan includes a limited number of envelopes and device syncing, while its paid plan expands these limits.
RealBudget also has a premium option that adds transaction syncing across multiple devices for family budgeting.
These apps are designed to help you manage your finances by providing a modern take on the envelope budgeting system, allowing you to keep track of your expenses and maintain control over your budget.