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Budget with a why

Budget with a Why: Start your Journey

Posted by on April 18, 2017 in Articles | 5 comments

Take the first step Good work creating your budget! You’ve got your budget showing what’s important to you — that’s your money map that guides your spending, saving, and giving decisions. Now, it’s time to take the first step on your journey. What’s one thing you can do today that’s in line with your priorities? We asked Karisa, and here’s the one thing she’s going to do: “I could actually go make a payment on my car! I have some money already set aside for debt that I haven’t actually done anything with. So what I can do today is take the money and make a pretty significant payment on my car loan.” And how she feels about it: “It’s really scary. What if I need this money for something else? And I hate seeing my bank account look that small. Especially because I’m valuing security, and it looks like I have less of that. But I feel like I’m taking care of my future self so much more. I think I’ll feel relieved after I make this payment.” Okay, now your turn! What’s one step you can take today to start your journey? Doing something today is important — it helps you experience success and gain momentum toward your goals. Look at your budget — that’s your money map. Imagine one thing you can do today that’s in line with your budget priorities. It could be a spending, saving, or giving choice. Do it. Now! Share your first step. Comment below! See the entire Budget with a Why series to create a budget that works! Or, navigate below to check out other steps in the process. Step 1: Look in the Mirror Step 2: Reflect Step 3: Meet Your Money Map Step 4: Plan Your Route Step 5: Start Your...

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Budget with a Why: Plan Your Route

Posted by on April 11, 2017 in Articles | 0 comments

Which route will you take? To start planning our budgets, we turned our maps in the direction that’s most important to us. Now, it’s time to plan the journey! Straight shot or the scenic route? Get out the highlighters and plan your route to get you where you want to go. (Psst – it’s called making a budget!) Karisa said a stable future is most important to her. So we asked, “How might you adjust your money habits to reflect your value for stability more?” And she said: “I’m going to get really technical. Before, in Goodbudget, whatever money I had left over at the end of the month I would stash into my Debt Envelope. And I’d use that as my debt payment the following month. It was working, but what that communicated to me is that I can pretty much spend on whatever I want, and whatever’s left will be for debt, a.k.a. will be left for creating myself a stable future that’s secure and getting myself to be debt free.   So, I earmarked a large portion of my income to go to debt, and I’ll fill my Debt Envelope with that money at the start of every month. Now, I’m telling myself that my future is the most important thing to me. That’s the route that’s going to get me to debt freedom by the end of the year.” Okay, now your turn! You know your direction, but maybe you’re thinking, “Do I take the shortest route to get me there faster?” Or, “Do I take the one with the best views?” Here’s what to do to help you help you plan. Remember what’s most important to you on your money map. How might you adjust your money habits to reflect what’s most important? Imagine some possibilities — you might not do them all. Make a budget that’s in line with what’s important, and include some of the changes you imagined. (This is where you get down and dirty with the numbers! Need help? Here’s how to make a budget.) Share your plan. Comment below! See the entire Budget with a Why series to create a budget that works! Or, navigate below to check out other steps in the process. Step 1: Look in the Mirror Step 2: Reflect Step 3: Meet Your Money Map Step 4: Plan Your Route Step 5: Start Your Journey...

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Budget with a Why: Meet your Money Map

Posted by on April 5, 2017 in Articles | 7 comments

Which direction will you go? To create a budget that works, we started by looking at our money mirrors. Now we’re going to draw a money map. Which direction do you want to go? North, South, East, West, there’s so much to see! When it comes to money, you get to choose what’s important — that’s the direction you’ll go. And what you choose will shape your journey. Karisa talked about what’s important about her clothing spending, so we asked her, “Are appearance, excitement, and creativity truly important to you?” Here’s what she said: “The short answer is yes. I think these things are all good. But I’m actively choosing to prioritize something else that’s more important to me: paying off debt. To me, that represents being stable or just not owing anyone anything. Because I’ve made that decision, I have to actually think about things I can change in my budget. For me, that’s spending less on clothes to save money, and finding other outlets to be creative.” For Karisa, debt freedom is what’s most important to her. So on her money map, she’s headed in that direction. Okay, now your turn! Try this: Remember what your habits seemed to say was important to you. Is this truly important to you? What’s more important? What’s less important? What’s most important? That’s the direction you’re going to go on your money map. Tell us your direction. Comment below! See the entire Budget with a Why series to create a budget that works! Or, navigate below to check out other steps in the process. Step 1: Look in the Mirror Step 2: Reflect Step 3: Meet Your Money Map Step 4: Plan Your Route Step 5: Start Your Journey...

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Fixes make Goodbudget better + time zone support

Posted by on April 3, 2017 in Announcements | 21 comments

Fixes make Goodbudget better We’ve got your back! And when it comes to Goodbudget, we know that fixes make it work better so you can focus on the important things… like sticking to your budget. Here’s a list of bugs we’ve fixed recently so that Goodbudget works better for you. Post scheduled transactions by time zone Not receiving reminder email for scheduled transaction(s) ‘Exceeded Device Limit’ error Add date field for Account Adjustments Export CSV filtering transactions when using DD/MM/YYYY format Difficulty reordering More Envelopes on the web Fills from New Income split to Unallocated twice Split transactions not saving correctly Annual Envelopes with due dates filling unexpectedly Can’t see bottom fields when adding new split transaction on import screen Custom Time Zone Support Goodbudgeters in Australia, the UK, and all over the world have been telling us their scheduled Envelope Fills and payments are posting too late. We’ve made a few changes so that your scheduled transactions now post at a time that makes sense for you. So, you can wake up to full, green Envelopes no matter where you are. Happy budgeting! – The Goodbudget...

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Budget with a Why: Reflect

Posted by on March 28, 2017 in Articles | 10 comments

What does your mirror say about you? In the first step of our budgeting process, we looked in our money mirrors. Maybe something about your spending, saving, or giving surprised you. Or it caught your eye. Now let’s go deeper — and see how our habits reveal what’s important to us. To do that, we need to step outside of ourselves for a bit. We asked Karisa to imagine what someone else might notice if they looked in her mirror. She said: “If someone else saw my spending, they would say, ‘Wow. She spent a lot on clothing. She must put a lot of value into appearance, having the latest styles, or the excitement of buying a new piece of clothing.’   “And I would say, they’re actually close to being right. There’s something fun about buying a new piece of clothing that I really enjoy. For me it’s a creative outlet. It’s a way to express my personality.” That’s pretty insightful. Karisa pinpointed why she likes buying clothing by looking at her money mirror from another person’s point of view. For her, what’s important is being creative and expressing her personality. Okay, now your turn! If your mirror’s a little foggy, take a step back and imagine it through someone else’s eyes. If someone else were to look in your money mirror, what would they see? What might the other person guess is important to you? How would you explain to them what’s important to you? Share your reflection. Comment below! See the entire Budget with a Why series to create a budget that works! Or, navigate below to check out other steps in the process. Step 1: Look in the Mirror Step 2: Reflect Step 3: Meet Your Money Map Step 4: Plan Your Route Step 5: Start Your Journey...

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Budget with a Why: Look in the Mirror

Posted by on March 21, 2017 in Articles | 17 comments

Have you looked in the mirror lately? You’re thinking, “What does my bathroom mirror have to do with budgeting?” Looking at our money habits is a little like looking in the mirror.  When we look at our spending, saving, and giving habits, we can see ourselves a bit more clearly. We asked Karisa to take a look at her money mirror, and here’s what she said: “Eww, it’s gross looking at my Spending by Envelope report! When I do it for the whole year and it tells me how much I spent for all of last year, it’s just kind of shocking! It’s like, ‘Whoa, I spent that much money!’ I spent a lot of money on clothing, and that’s kind of controllable. Thinking about how many clothes I have in my closet, I know I don’t need to buy more. I have enough — more than enough. So this is one area where I could significantly cut back if I really want to get serious about paying off my debt this year.” Okay, now your turn!  Look in your money mirror.  Don’t worry if you see something gross.  You gotta see it first before you can deal with it! Take a look at your Spending by Envelope report.  (That’s your mirror.) What did you notice about your money habits?  Do you see anything that’s surprising about your spending, saving, or giving? Stop there!  There will be plenty of time to change things later.  Right now, we’re just taking a peek and assessing the situation. Tell us what you saw. Comment below! See the entire Budget with a Why series to create a budget that works! Or, navigate below to check out other steps in the process. Step 1: Look in the Mirror Step 2: Reflect Step 3: Meet Your Money Map Step 4: Plan Your Route Step 5: Start Your Journey...

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Where do you want to go?

Posted by on December 20, 2016 in Articles | 5 comments

When it comes to you and money, where do you want to go? We sat down with some budgeters, and here’s what they said: “Up. I’d like to go up, which means having more money. I think of a growth chart, like my kids have at the doctor’s office, and I want to check in and see how it’s doing.” Paul, father of three. “When I hear that, it sounds like a relationship. I want to go places with money, like literally travel.” Kendall, fabulously child-free. “I think of ‘enough.’ I don’t want to have to think about it as much, not every day.”  Matt, thinking about moving. “Somewhere free, not like I don’t have to pay, but like a feeling of freedom.  Thinking about being debt-free, that’s where I want to go.”  Karisa, paying off student loans What about you… Where do you want to go? Leave a comment to let us know! -Happy budgeting, The Goodbudget...

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Scheduled Transactions. Now on iPhone too.

Posted by on December 7, 2016 in Announcements | 0 comments

See upcoming expenses on your phone No more going to the web just to see when your monthly Cell Phone bill is due. See your scheduled transactions right on your phone. (We should’ve put them there, like, yesterday!) Tap the ‘Schedule this…’ box when you’re adding a transaction to create a weekly expense, monthly income, or yearly transfer. Fill your Envelopes automatically every month Wake up to full, green Envelopes on the first of the month! Schedule your Envelope Fill, and we’ll do the rest automatically — every month. To get started, tap on the Fill Envelopes icon and tell Goodbudget how you’d like to fill those Envelopes each time. And, remember to schedule it! Get the latest version of Goodbudget from the App Store! Happy budgeting! – The Goodbudget Team P.S. This feature is also available on Android. Head to the Google Play Store to download to get the...

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Reports help you see where it all goes

Posted by on November 17, 2016 in Articles | 4 comments

See how much you’re earning — and spending. And see where it’s all going. Check out your reports on Android, iPhone, or the Web! Income vs. Spending. This report shows if you’re living within your means, or just plain ol’ spending more than you’re making. (Hope not.) Whether you’re living paycheck to paycheck, sharing a Household, or tracking multiple incomes, keep an eye on your income easily. With the Income vs. Spending Report, you can be sure you’re spending less than you earn and gain peace of mind! Spending by Envelope Report. This colorful report shows what you spent on each category for this month, last week, last month…or whatever time range will help you understand your spending. Tap on your Food, Fun, or Vacation Envelope to highlight it. Happy budgeting! – The Goodbudget...

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Scheduled Transactions. Now on Android.

Posted by on November 7, 2016 in Announcements | 0 comments

See upcoming expenses on your phone No more going to the web just to see when your monthly Cell Phone bill is due. See your scheduled transactions right on your phone. (We should’ve put them there, like, yesterday!) Tap the ‘Schedule this…’ box when you’re adding a transaction to create a weekly expense, monthly income, or yearly transfer. Fill your Envelopes automatically every month Wake up to full, green Envelopes on the first of the month! Schedule your Envelope Fill, and we’ll do the rest automatically — every month. To get started, tap on the Fill Envelopes icon and tell Goodbudget how you’d like to fill those Envelopes each time. And, remember to schedule it! Get the latest version of Goodbudget for Android! Happy budgeting! – The Goodbudget Team P.S. We’ve added this feature on iPhone also — get the update in the App Store and let us know what you...

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