Giveaway: PearBudget Lifetime Membership

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I don’t keep good track and I NEED to! This looks wonderful!

With two little ones underfoot, I keep track of the kids and my husband keeps track of our budget online… we often get our wires crossed and are looking for something simple that we can both use easily!

I am currently using a notebook, like you used to. I keep track of all the usual things, but, also specifically how much money I spend on my daughter’s clothes for the year and my son’t clothes for the year. This way, I have an estimated amount of money I need to budget in for the following year. Now that my kids are older, 13 and 12 I give them the money (for example, $100) and take them shopping. I let them know that this money needs to buy them the needed clothes, in addition to socks and underwear. This system has worked really well for us. Gift cards work well with this also. And when the money is gone, it’s gone.
Have a great day today.

I use a print out that looks like a calendar with each bill due, other expected expenses and expected income and just do a very, very basic budget. I loved Pear when I tried it in Beta and am considering returning since I’ll actually have some money to budget this fall!

Let’s see my current system for keeping track of our budget…um…does doing nothing count? We just discussed yesterday that we need to get back on track and find a system that works for us. PearBudget looks great, I would love to win this one!

I track our family budget using a combination of my google calendar and a green (for money) notebook with different sections. Twice a week I balance the checkbook using that notebook which has just three hand-written columns and my bank’s online service. I was looking into YNAB.com but this sounds even better for moms.

i keep track by the cash in my wallet. i pay nothing by credit card except gas. if i run out of cash, then i have used by budget for the week. pretty old method, eh?

Since we first got married two years ago, we have stuck to a budget. It has helped us learn to live on one income, easily deal with job losses, save for goals, and pay off debt- I’m a HUGE believer in budgets! Currently, our budget is kept in Excel, and we use the envelope system for spending money for groceries, eating out, etc. So far, it works for us!

I have alittle bit of a system… i have a 3ring binder that i have monthly calendars in there and i have the date that that bills are due written in there.. once they are paid i put pd by them so i can make sure i keep track of what ones i paid.. then i take the bills and file them in another folder to keep track of them… as far as a budget though… haven’t been able to really understand setting one up and this program looks awesome…. :):)

Nope, I can’t tell you - because I don’t have a budget. We fly by the seat of our pants. It bites LOL I have no motivation? I don’t know - I just know I need help - we have 1 income. 5 of us. Blahhh

Budget? Hahahaha. Nothing written down, all in my head. And that’s a scary place! I used to use quicken faithfully, and still use it for the checkbook aspect. I really need to get back to budgeting…

Oh the true confessions are pouring out! My check register is as close as I get to a budget. We are frugal, but this would help me be even better with our money. I’ve tried some methods but never been satisfied with them (notebook, etc). This sounds great! Thanks for the chance and for educating us about this.

Right now, I am using an excel spreadsheet. Is it working out? It is alright, though not exactly set up to how I need it. I’ve been trying to customize it to fit our household but to no avail, ah. I can’t enter reciepts into it, ect. so it really is sitting here just as a reminder how much is going out for bills, groceries, ect. I use an outlook express calendar to remind me of when bills are due.

I’m using the trial right now and boy do we need a subscription! My husband has created this complicated Excel spreadsheet system that I can’t even understand, and I have a sinking feeling that some things are getting double counted. The simplicity of Pear Budget is exactly what he (and I!!!) needs!

We are just now trying to keep better track of our budget. Found PearBudget last week and really like it. With 4 little ones we are looking for something simple to use.

I make a spread sheet with columns of various expenses and plug in what I have budgeted for each column. When the bill comes due..just subtract from that bill’s column.

I feel like I’ve tried so many things . . . currently my budget is on an excel spreadsheet. Nothing fancy, but it works (as long as I keep up with entering items I’ve spent!)

This is perfect timing because I’ve decided to budget myself even if hubby won’t budget with me. I can at least budget the areas I’m in charge of like groceries. But, I need something simple to understand and do and this sounds perfect.

I may have to try it out and then review it on my blog for my readers.

Oh how I would love to see a budget find its way to our family! We are so lost and my only system is recording payments on post it notes.We don’t have a clue what we should be spending or even what we have to spend for that matter. After 2 years of marriage, you’d think we’d have it down by now. Thank you PearBudget and thanks Amy for the giveaway!

Well, I just keep trying is all I can say. I’ve had notebooks, used Money, and Quicken but don’t seem to follow through like I should. Right now, we are currently using a notebook but it’s not updated like it should be. And we’re at a point where we HAVE to buckle down on our spending. We’re on one income here and this will be our first year homeschooling our 3 kids so ease is also something I need. If it’s not easy or fast I know I won’t follow through. HELP!!

We are trying to use a spreadsheet - the problem is that we can’t both access it easily - Pear Budget looks like an awesome solution!

I’ve become an Excel addict. Color coded, formula riddled Excel sheets are my lifeline. I can’t remember a thing if I didn’t have my system of bills, checks of when things were paid and separate checks of when things cleared and all the money going out as well as in…problem is, I’m not that good at Excel and it really does not leave me any room for “actualities” that could take up 10 mores sheets…still trying though.

We’re tracking every penny using a regular old Excel Spreadsheet. The receipts are categorized and tallied up at the end of each day.

Our system involves a lot of wishful thinking, and not a lot of actual budgeting. We occasionally write some numbers down and the promptly forget about them. But we are trying to get better, and I have been looking Budget tracking system! This looks like a great one.

I have no system - but I know I need one with a home purchase coming up and a recent change of income. Things need to be adjusted! And this would probably work better than guesstimating!

I use a envelopes for cash and spreadsheets for different categories of irregular savings/spending. However, I’m self-employed with irregular income, and I’m not great at managing that. Still lots to learn!

our system is WAY to complicated. we use Quicken to show us what we did with our money and we try to use Excel to help us forecast. our budget is tight and somehow we never seem to get the alloted amount into savings like we’d like to. i just read about Pear the other day… i’m excited to learn more about it!

We do have a budget and use ibank’s budgetting tool. I don’t really like it very much because it doesn’t allow for accurate tracking on some of our non monthly expenses, like our garbage pickup up and quarterly life insurance payments. Pear budget looks pretty plan and simple. Thanks for the great give away.

This system looks really awesome. I have tried using Quicken, but because we run our company from home and have to track those expenses as well, it was way too much work. Currently I am using multiple spreadsheets that I have to bring together on my own. I am more or less just tracking my expenses than making a budget that I will stick to. I think that Pearbudget would be really good for me.

I would love to win this! I have to admit that we are working on revamping our finances right now and that we haven’t been budgeting. We have used Quicken in the past. I suppose our method of handling our finances right now is daily discussion and checking our bank account online. We have a lot of work ahead of us but we are really excited about making changes.

My family has some financial issues and I have used several programs and developed my own personal spreadsheets on paper as well as on the computer. This program looks great and covers everything!!!

I was using PearBudget beta! I wasn’t sure I wanted to pay for it - but I would definitely use it for free!!

Well, I’ve been using the budgeting software at Dave Ramsey’s site but I need to come up with an alternative as my membership will soon run out.
I used to use simple pen and paper, but I love the online budgeting options because I can make changes and see expenses, debts, etc, all in one place.
Thanks for the contest!

Right now I don’t really keep my budget up to date. I just watch my bank account and make sure we don’t spend too much. I am newly married and we just haven’t found our ‘thing’ but we really need to! This would definitely help keep our budget on track!

Well, the “budget” is kind of a misnomer. I have an Open Office spreadsheet where I try to anticipate recurring expenses each month and log purchases and other transactions (I delete them once they post to online banking). But this is really just a glorified checkbook register and not a true BUDGET. I would love to win this to give it a try — it looks like a great tool!

I am trying to get back on track. Right now everything is in my head or in the bill rack. We are down to one income right now and really need to set a budget and stick with it.

I am actually taking an online course for Quiken, and still not in love with it. Its not bad, but too complicated for what I want to do right now.

BTW I love your blog. I’ve been lurking for quite some time.

I’m currently trying to learn how to budget and PearBudget seems like the perfect tool!

I have a list of expenses on an excel spreadsheet that I may update quarterly. I need something that I would use weekly to keep track. Especially since we have two house payments right now.

This really sounds like something I could use. I need something to keep track of my budget. I hope I win!!

Oh, exciting! I’ve heard great things about Pear Budget plans. Right now we use Dave Ramsey’s budget forms from Financial Peace University. Following his principles, we have paid off $28K in 2.5 years and built a solid emergency fund.

I use the old notebook…I hold onto EVERY receipt and then add them in weekly and subtract them from our income total. Kind of archaic but it works

Cureently we are using a new spreadsheet on our computer. We are not very good at always entering our recipets and looking to get on track with it. We have two small children and know that we need help budgeting.

I just started to use the notebook method (have a small blue one that I carry in my purse). Otherwise I would call the bank everyday to balance my checkbook. I haven’t really found a system that works and I don’t feel like my rusty math skills could handle excel. I am also newly married with a little one (my husbad is a SAHD) so keeping track of everything and trying to pay off debt is very important these days. I am excited to learn more about this program. Thank you!

I’ve tried many different methods: writing everything in the check register (the space is too small - I like to write a little bigger), I tried Quicken (I didn’t like the hassle), I’ve tried updating my check register every night (it doesn’t work when hubby spends money and doesn’t give me the receipt). I’ve been contemplating moving over to a notebook - it’s bigger so I can write whatever size I want. I don’t necessarily have the patience for Quicken or Money anymore. I want easy. We definitely need help budgeting… my husband is a teacher and I am trying to start my own business. Technically still a one-income household. I’m hoping that will change soon. Thanks for the giveaway!

Honestly right now we use Microsoft Money. But I hate that program and I am lax about using it. Pear Budget sounds great!

So far, we haven’t really had a budget. I just paid the bills, spent more and carried over the leftover money to next month. Now that gas prices are going so high, we realized that we NEED a budget!

My fiancé and I both use online banking, but neither of us has a solid budget…and now that we are going to combine our income, a budget will be a necessity!

My budget is in my head and my receipts are everywhere! I really really need this program!

My husband and I are currently in limbo on the budget system. He is the money earner, and I am the money spender (I pay the bills). We used to use Quicken to enter all of our spending and then we had a computer glitch and lost all of our data. We haven’t started back in on it. We do online banking through our bank. I hate dealing with money and my husband has an MBA and is a spreadsheet freak. Since I pay all the bills I would like to find something really simple that I can use.
Darcy

In the past I have just scribbled a budget on a loose leaf paper here and there. But of course that really never worked and we are in serious need of a good budget that is accurate and that we can stick to. I just recently purchased Quicken and I am really liking it but I do find it a little confusing and complicated for me. But at least it is tracking where our money is going and giving us a better picture of that.

My husband preferred to handle the finances and it was just easier (aka less fighting) if I just took a hands-off approach. We are now getting a divorce and I, after 12 years of being out of the habit, must relearn how to handle the finances. When I did live alone and barely made more than the expenses, I paid savings first (so I’d have Christmas and misc. gift money during the year). Now, I am going to use the same “pay myself first” for saving up for surprise expenses for my 2 children and myself.

Currently, I print out a “budget sheet” each month that just lists the bills I have to pay. I keep them all in a 3-ring binder. However, I’d like to start tracking ALL money spent and get a better handle on things. This would be great to win!

Other than balancing my checkbook almost daily and trying to keep our family out of the red, I really don’t budget. I would love to use an online source to better budget for our family.

I use an excel spreadsheet that I developped/hacked myself but there are some things it doesn’t track very well, like irregular expenses. I would also love the online access to Pear Budget- one of the reasons we went over on our recent vacation budget was that we couldn’t access the spreadsheets!

What a great giveaway, Amy! I was glad to see you were doing this giveaway after I saw I didn’t win at simple mom I keep track of our expenses in fits and starts, having not come across something I like well enough to stick to it. I would definitely like to start being more detailed so we can work more purposefully toward our savings goals.

I love Pear Budget! I have been using it for about 3 months now and it has really helped me to stick with my budget because I can see how much I have left to spend in each category. I have always kept a very close eye on our bank account by checking my balance on line and balanceing my check book. But, this has allowed me to see where our money is going and to make better choices, especially since our goal this year is to pay off both of our vehicles!

We use Quicken. Actually, it’s more accurate to say that we have Quicken installed on our computer and I started adding information to it in January. I don’t think we’ve used it since March. It was just too much. I went to Pear Budget and tried it out- you’re right. It is clean and easy.

Thanks for the giveaway, first off. What a great offer! Our budget was pretty much non-existent. We had just enough to pay bills, and a little for savings. I guess you could say we used a ‘notebook’ system (just not as thorough as others!) We do take all our bills and place them in a calendar mail divider according to their due date and the paycheck just before that date. We also deduct half of our house payment from our first paycheck of the month so we’re not slammed with a gigantic payment with the next paycheck. It really works for us, and has even helped pay down our principal balance faster!

How do I budget? hahaha. I don’t. I am pulling it all together because I’m tired of the “putting out the fires” version of money management. Help!

I LOVE this site! I have tried EVERYTHING! to keep to a budget. In the early days it was a piece of poster board with hand drawn columns. I really like how easy it is to use Pear budget. They do all the work for you. No more erasing or starting over. AWESOME!

Oh, this is wonderful! When I was single, I had everything mapped out and I was very organized. However, I am now married with a toddler and find that I don’t have a lot of time to keep everything neat & organized. Plus I have to work with my husband’s disorganization :-). I also don’t have everything consolidated which makes looking at the “big picture” really difficult. So, I would use this membership to put my mind at ease by regaining my previous state of harmonious organization!

I keep track of my budget in a note-book, but to be honest with you, I haven’t been to good about it. I just started reading blogs and websites about budgeting and being more frugal and this is my new goal. With the cost of everything going up I really need to stay on top of this. Thanks so much for you wonderful website.

I also do my budget on a notebook like you did so this would be great to be able to do it digital and have it be that simple. I’ve tried several digital programs, but they are all so different and more complicated than what I want.

Ummm. . .we use the little check registers that come with the check books. It’s pathetic - we fill ‘em in about 2 weeks and then we have to write on the top, bottom, sides, etc. . . =)

We keep track of our budget on a spiral ring notebook. It works okay until baby wants to tear out pages. An online answer would be heaven sent.

I am currently doing pear budgets 0 day free trial and loving it! before that i had a little notebook i took everywhere that had how much money we had for the month written at the top and every time i bought something i would subtract it from the grand total. you don’t get much more basic then that! Thanks for this great givewaway!

i meant 30 day trial of course!

Well I currently have NOTHING, that’s the problem. This would be wonderful for me, I would love to win this and get organized!!!!

I have tried so many different methods. excell spreadsheets, notebooks,letting the hubby do it(hA!), none of it has worked for long. I checked out PearBudgeting and this seems like just the ticket! I can’t believe how easy it is to use. PICK ME_ PICK ME!!!

I have a very simple routine every week - envelopes. I fill out an evnvelop for each thing I’ll need - one for groceries, one for CVS (of course!), gas money, mad money, kids lunch money, etc. It was a great system initially, but I need to start tracking things. Sounds like this would be a perfect fit for my family! Thanks for the wonderful contest!

I use an excel spreadsheet to keep track of our budgets. It gets pretty time consuming and would love to try a new system. Thanks!

This sounds like something I could use! Thanks for the tip and thanks for throwing my name in the hopper!

would love to take this for a whirl! I am a stay at home work from home mom who could totally use some organizing!

What a great prize! I currently use a combo of an excel spreadsheet and handwritten things on a calendar. Pretty sad huh?! I would love an all inclusive ONLINE program that I could use, since I’m online all the time anyway. Thanks!

Sounds like something I’d like!

We just use Excel, but it never gets updated with everything everyday. I think something else will work better. This sounds like a great prize!

I have had my eye on this and a few other sites that are similiar. We currently have an Excel spreadsheet we have used for 8 years. I would love to use a web based program with more sophistication. However, paying for a budgeting tool, well, it is not in the budget

Hi, Wow would I love to win this. Our family of 5 runs on the old pen & paper. First I use a small childs shoe box for my filing system. I took the ecru colored folders that you can find anywhere & cut them in half to made mini folders. I cut some of these in half again & extended the tabs for date dividers . I put my bills into these folders 5 days early than the date due, so that they get there on time. I use a large spiral notebook to keep a ledger of your expenses. Our family puts all our pay checks into one account. I write down everything that we spend weekly, and the deduct the total from the total of or pay checks. With 4 people in our family working, 3 are part timea students with jobs , it can be tricky to dole out pay checks from the “pool” of your checks. At the end of the month we pay each worker a small check based on how many hours worked & we make that last for the month. Each child is responsible for his/her own budget. They must stick to that amount of pay. Unless emergencies uprise then we make out but, have nothing left for savings. We are a poor lot, but a Happy Family. So this Pearl budget system would be wery much appreciated. For a family of 5 it would be a blessing to keep up with things without spending 2-3 hrs a week on our budget. Thanks for the contest. Good luck everyone.

I just tried the 30 day free trial and PearBudget is JUST what I need! I’ve been struggling to get a budget established ever since I got married almost 4 years ago. Nothing has ever stuck. I recently started trying to use Quicken (again!) and it’s just too busy for me. The simplicity of this program will help me budget with my little family of four, without requiring me to spend so much time away from my sweet daughters.

We used to use Microsoft Money, but since our first child arrive (he is now 2 and our daughter is 4 months) I’ve let it slip. Thanks for the reminder that we need to get back on track!

What a great tool!

I want to budget!! but just haven’t found something that i want to use. I have been one of those spend and figure it out later, but now with a little one, i want to save more for him, and watch my dollar go further.

We use a google spreadsheet so we can both access it - me at home and my husband at work. Now if only he would figure out how to use it!

I currently have our budget typed out in Microsoft Word. I plug in the numbers every month to keep track of what we have spent and what we have left. It is kind of monotonous and I think pear budget would be way quicker and simpler!

Hi,
I could totally use something like this. I have been a stay at home mom for four years. My husband and I are both very bad about bugeting our money. It would be nice to finally have a system that we could use. Maybe then we could actually start saving some money and plan for a great future!

Well, up until yesterday I had NO SYSTEM for keeping track of my budget. And currently, I still have no budget! I started a blog recently, payingdebtsucks.blogspot.com where I plan to stay accountable and share my experience with others who are trying to pay down debt. So, getting an easy method for tracking my budget would be spectacular!

I have tried living on a budget, but always seem to fall away from the effort. I have used keeping a paper record in a notebook, using Excel with linked category pages where I entered my receipts. Now we are trying to use Microsoft Money, but I am about 4 months behind on updating. I think I should try a cash envelope system to keep me more accountable. With rising costs we NEED to get on a budget that works. I’m still waiting for the glory days of budgeting. We just can’t wing it anymore!

LOL, embarrassing but on scrap paper on my desk each month. Terrible isn’t it. I really need this, we are trying to get out of debt.

We need a better system. My husband is currently keeping track of things and I have to ask him all the time if it is ok to buy something. This sounds much better. Thanks

I used to keep track on Microsoft money but it upset me that the balance on their never matched up to the balance on our bank statements. I’m too scatterbrained to remember to use a checkbook register. Now? I check our account 3-5 times daily to see where our spending is at each day. Tiresome.

I use MS Money to project my expenses and income. BUT I’d love to actually be able to make and keep a budget!

I NEED this!! We are a single income military family with three kids. Thank you for offering this giveaway!

I let my husband handle 100% of the buget. I have started to think I might want to take over this task. I never know how much money is in our bank acount (w/o looking it up online which I rarely do). I love that this product is web based so I don’t have to hack into my hubby’s computer to check our bottom line! Very good idea. Going to check out the 30day free trial, for sure.

For many years I have used an excel spreadsheet. There is a page for each budget catagory and then with every paycheck I “deposit” money into each account and when the bill is paid I “withdraw” the money as well. I would love to try something new and online!

We have tired all different kinds of budgeting tools and have not found one that works right for us. I would love to have pearbudget to work with. Thanks Amy for a Chance!!

Here is my philosophy: budgets make me feel like I don’t have enough $; diets make me feel like I can’t have enough food; schedules make me feel like I don’t have enough time. I want to budget because I think it is a good tool, but have never found a good way to stick to it. The only thing that has ever slightly worked for me is Quicken because I can download everything from the internet.

To be honest, we’re not really keeping very good track of our money. We just spend less than we make. That’s why I’m excited about your giveaway! We could do a much better job than we are now. Thanks!

I am sorry for a double comment - mine submitted before I was done. I would loev to win this! My current budgeting is done in a notebook. Papers left and right with different numbers. i can’t tell you howmany times per month/week I have to revise the budget and mve things around. it can get very confusing. i used to be really good and use a dry erase board calendar to keep track of things - then i had kids!

Okay, it’s confession time: I have fallen off the keep-the-checkbook-balanced bandwagon and have been off the wagon for about 6 months. My poor husband works to make the money, and has no interest in managing it. After 10 years of trying to keep up I’m just burned out. So I sort of gave up. I did try wesabe but it doesn’t work well for us for some reason. Going to look at pear right now! Thanks for the giveaway!

Smiles,
Mary

Budget, I didn’t know what one was until I had a baby and no job! Relying on my husband and your wonderful blog to help me save money and spend more wisely. This tool will probably keep me from hitting rock bottom. I have already started to keep my receipts but haven’t figured it out exactly what our budget should be. We have realized that we have to stop using cc and start saving. Thanks for all your great advice

This sounds awesome. I will definetly checking this out even if I don’t win. Simple is always better and easier to stick with. Thanks!

Right now, I’m not currently using anything to track our budget, and I need to start doing something. Maybe I should buy a notebook.

I used to try ot use MS Money to keep a budget but I found it was too timeconsuming and not easy to use. So currently I don’t have a system and need one.

We pay off our credit card in full every month, no exceptions. We collect FF miles which we use for vacations.

i am a man amongst women. married with 3 girls. Jacqlyn age8, madilyn and caitlyn age 4 (twins). HELP!!!!! i need an expense account soon for just hair products.

Microsoft Money is the way we keep track. It’s convenient and easy to use. It’s the way to go.

I keep a text file on my computer with the date, store, payment method, item description, category, and amount for every purchase made. At the end of the month, I enter the total for each category in a ledger book as debits, and I enter all sources of income as credits. I also make a graph (freehand) of each month’s total debits and credits (red and blue). There’s also a green line on the graph that represents the amount I could safely withdraw from savings each month if I were to retire right now. I compare that line to the red debits line and guess how long I have to keep working.

I used to try to do this stuff with Quicken, but that software was too complicated. I’ve heard good things about PearBudget over at the Motley Fool.

I also use an excel spread sheet, but really just for bills. It’s our grocery and spending money that kills us. We have given thousands of dollars to BofA in overdraft fees cuz we never really know how much is in our checking account!! I could really use some help!! Right now I am trying out quicken online, its too soon to tell. But I would love to try this!!

tried spread didn’t help

Hi there, well the way I keep track of my budget is old fashioned way. I write everything down on paper.
Hopefully I can win this membership, and I will start tracking my budget the right way!

Thanks!

Budget???? I keep track of nothing and I sure need to start!

Hello. Please don’t cringe when I tell you this. I have never been on a budget and have never even balanced my check book! I check my balance everyday and play it by ear. I know this sounds really bad, especially from a person who won’t but a thing unless I have a coupon. Here’s why I need this…. Recently my company has been bought out. I don’t foresee my corporate position lasting longer then the end of the year. I needed to get on track now!! I’ve opened up a “losing job” savings account and now my next step is a budget!! I’ve got less them 6 months to stock pile money and learn to live more frugal. Saving money has always been a game and hobby for me, now it’s necessity! Thanks!!

We are trying to get a budget going. We’ve tried in the past and never seem to stick to it. I’ve handed it over to my husband at this point and told him to just let me know my budget for gas and groceries per week. I’d love to have software to help. We use quicken for keeping track of money though.

i really don’t keep track, beyond my checkbook

I have a crazy 3 part system involving a box of receipts and a notebook–which I usually use faithfully for about the first couple of months of the year…after that I graduate to chicken scratches on the refrigerator calendar as my regular routime! I really need this awesome program!

I teach Excel at school so we keep our budget using Excel. It will produce charts galore.

I would love to win this! I currently use Quicken but so much of it is over my head. I would love to try something easier.

My husband would be thrilled with me if I got this. We’re ok money-wise, but could be much better, I’m sure. I barely even look at my bills, I just pay them because I don’t have the attention span these days!

I would LOVE to win this! We need something like this to keep track of everything.

Barb

No system. I have tried several different things, but I have never been able to find something that I could both learn quickly and keep up with. This is not a very good way to keep my finances organized,I have gone between somehow managing to have $900 extra in my account with no idea how it got there to bouncing checks because I didn’t keep track well.

Right now my husband and I have one son who is 14 months and one on the way. We have always been great budgeters individually but with two people it is difficult. We don’t seem to keep track of our receipts very well anymore. We do budgeting very differently. This program would be amazing to help us keep our budget on track before our next bundle of joy comes in February!!!

Cash works best for me. I take out a set amount every 2 weeks and that covers my groceries and household expenses, eating out (which is very rare) and clothes. When the cash is gone, that’s it. I’m very visual, so actually seeing the money really helps me be less free about spending it!

I’ve tried a lot of budgeting type programs and am currently using YNAB, but I’m always interested in trying new things. Who knows I might really like it!

I’ve tried several systems but keep coming back to Quicken. For the past week I’ve actually be doing the trial of PearBudget and I’m loving it! I definitely plan to stick with it.

We have a budget, but it is haphazard at times. We have a ways to go to become proficient at it. This would be a tool that we would definitely use and benefit greatly from… I’d love to have it!

I don’t!! So I really need this lol

Right now I am keeping track in a notebook. But I could definitely use an online version like this one.

Currently, I don’t keep very good track of my budget. I bank on-line, and check it daily for my balance. I have tried several times writing down where I spend the money, but I don’t do very well with it. I really need a system to keep track of my expenses.

sounds great, i’m still in the notebook ages :0)

dont have one
THANK YOU GOD BLESS

Great giveaway!! Currently I have an excel spreadsheet budget, and also Microsoft Money, but I don’t keep up with either..

This is a great giveaway. Right now I have my budget in an excel document and also use Microsoft Money, but I am terrible at keeping up with them.

I use an old fashioned note book (in case any PC/net issues, I have the hard copy in my hand). Archaic, but it gets the job done LOL

Thanks!

I don’t keep track currently, that’s why I need this!

I check my balance once or twice online, I use my ATM and just guestimate about how much money i have left. I need help!

I keep track using Quicken & a calendar.

I haven’t really figured out how to budget yet..

I am a CPA. I do all my clients bank recs, but it is a battle for me to do my own. Thanks for the chance.

I couldnt do it without online banking. That is a great tool to help me with my expenses and figuring out my check book.

i hope i win

We use one credit card for nearly everything and all items appear on the bill at the end of the month, thats basically how we do it.

We pay the bill in full at the end of the month.

We use a notebook. We have to start buckling down now as we are looking to buy a house.

I really don’t have a tracking system…so I could use all the help I can get!

I just write everything down in a little notebook and keep track of what bills are due when and how much money is in the bank. It’s all very disorganized! I think I could benefit from this prize, thanks for the giveaway!

The most important budgeting for me has been my check register and saving all my receipts. It makes taxes a lot easier at the end of the year.

I’ve been keeping it in my head. I know. I know. It’s not the best system.

I currently use a spiral bound notebook to keep track of my expenses. It’s easy and cheap.

I used to use this wonderful planner that had an expense sheet, until I lost it (if it’s not tied down, it disappears at my house). Even then, I still had trouble keeping track of all the little expenses (especially with my husband on the road a lot).

I don’t! That’s why I need this!

I don’t do anything.. but I do believe I need to and this would be a great start

i keep all my receipts, but i’m really lacking in the budgeting department. the little things really add up!

I don’t keep track of my budget- that is why I need to win!!

I don’t, but it has been on my mind lately.

Um, well, I don’t do a very good job sticking with it but I made up an excel speadsheet to try and keep track of my bills.

I use a spiral notebook. Not very efficient I’m afraid.

i have A LITTLE NOTEBOOK THAT I WRITE ALL THE BILL I HAVE TO PAY FOR THE MONTH AND I CHECK THEM OFF AS I PAY THEM

Currently … honestly - I just check our online banking daily to see where we’re at. I could totally use this!

I have a spreadsheet in Excel but I often forget to update it. Not very efficient.

Hi Amy,
I thought I had entered earlier but don’t see my comment anywhere although there’s another KarenG listed. I live in VA if that will help to identify me from the other Karen.
Anyway, we haven’t done great lately with keeping up with a budget on paper. We do spend less than we make which is great, but I’m excited about this giveaway because it would help us to be more organized in this area.

i have never used a system like this, we hav eno idea how much we spend til we get our bank stetemnets

Sounds simple enough that I could use it..thanks for the chance.

Currently we don’t have much of a system - just notes on a calendar and one central drawer to drop all the bills,etc

I’m letting my fiance handle the finances.

I currently do not keep track of my budget, but have been looking for the right tool to do so. This website sounds like just the thing for me. Thanks for offering it!

we track budget and enter receipts in the computor under categories; we get the whistle/horms when we overload the budget;many thanks Sw

i use a notebook and envelopes to budget.

Honestly, I really haven’t been living on a budget. But I need to.