Pen and Paper to App

I used to do all my budgeting with pen and paper. Then Goodbudget started growing on me. The way my old pen-and-paper system worked: At the beginning of each month I wrote down the amount I received from my paycheck Subtracted my recurring expenses Deducted expenses from my total every time I made a purchase … Read more

How to Make a Budget


EEBA is now Goodbudget! Goodbudget has all the great features of EEBA (and more!) in a new and updated interface. Check out our updated article on this topic, and check out the Goodbudget Help Center for the most recent help content.

Take the fear out of budgeting with our step-by-step guide to crafting a budget you can really live with.

Step 1. Relax!

Before you do anything take a deep breath and relax. . . feel better? We’re not here to make the perfect budget, or change your financial world overnight. We’ll get to that later. For now we just need to put a budget together that we can work with. There will be plenty of time to reflect and make changes later. The most important thing is to just get started, keep going.

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Import Transactions to Get Back on Track

EEBA is now Goodbudget! You can find the most up-to-date information about using Goodbudget on our Help Center. I had a rough time last month. Personal illness and a rash of family emergencies had left my regular schedule in disarray. Among the organizational casualties in my life was my transaction history in EEBA. By the end … Read more

Welcoming a Pup Into My Home & Budget

I recently got a puppy named Curby.  She’s a fearless little Chihuahua-mix that enjoys napping in laps, chewing on shoelaces, and sunbathing on the deck.  At first I wasn’t sure how to include her in my regular budget, so I decided to record her expenses in my existing Envelopes and tag them with #Curby in the notes section.  This would let me keep track of how much I spent on her, without having to change my existing budget. It wouldn’t work as well if my Curby expenses outweighted my regular expenses, but how much could a little dog cost? A month later, Goodbudget showed me the answer. I went to my Spending by Envelope Report and selected “Curby” under the Tagged filter to see how much I spent.  Tiny as she is, expenses for Curby grew bigger and bigger—a squeaky chew toy here, gummy bear-flavored shampoo there, not to mention her shots and food.

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Three Years of EEBA

EEBA is now Goodbudget! You can find the most up-to-date information about using Goodbudget on our Help Center.

This November, EEBA will celebrate its third year of helping users sync their budgets, manage their finances, and save money for the things that matter. It has been an amazing time and we’ve been blown away by the creativity and dedication of our users.

Most of all, we are humbled by the ways you choose to make EEBA a part of your financial lives. Here at EEBA HQ, we often share poignant feedback or touching reviews with each other, and delight in seeing the ways EEBA has made a difference in people’s lives.

Especially delightful to us are stories of people coming together about their budget.

LOVE THIS APP! My husband and I love this program. It updates on both of our phones and so far we’ve been able save a ton of money! I would recommend it to anyone! – Jacqueline

We are proud of EEBA’s mobile sync feature, keeping your budget in sync on multiple mobile devices and the web automatically, but seeing how it helps users communicate and stick with a budget together makes us even prouder!

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Save with Purpose

When we choose to save, we’re paying a cost today with the hope of a future reward later. Many of us choose not to save thinking we can’t bear that present cost. Other’s may overemphasize the future reward and save without purpose or limit. Both of these perspectives can be misleading. As you think about your own saving, take some time to think about what you’re saving for. Having a clear purpose for your savings will help you make the hard decisions about when and how much to save, and let you know when you’ve saved enough.

What are you saving for?

Having a clear purpose for your savings will help you prioritize it over other distractions that are sure to happen each month. Years ago I tried to start a savings account, but never decided what I was saving for. Unsurprisingly, each month something would come up that would distract me from saving. One month my car needed to be repaired, another month my friends would want to go on a road trip. Without a purpose for my savings account, it was hard to ever say no to these things and my savings account remained empty.

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When You’re Making More, But Seeing Less

Have you ever felt like the more you make, the less you have? You know you’re bringing more money home each month, but somehow it feels like you have less to spend than ever. That’s what it feels like when you don’t have control over your spending, and that’s when it’s more important than ever to have a budget.

I experienced this a few months ago when I got a raise at work. Perfect, I thought, since I was already living off my current income the raise would all be extra. I could set it aside towards a goal in EEBA, add it to my Savings, or whatever I needed. Unsure of how I wanted to use the extra money, I decided to just let it gather in my Unallocated Money. As the months passed, however, I was surprised to find that my Unallocated Money balance wasn’t increasing as I thought it would, but was in fact decreasing. What was going on?

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Paying off Debt

I recently had to make a decision about how to pay my student loans. One option was to follow a standard repayment plan, equal payments each month for the life of the loan. Another option was to sign up for a payment plan based off my income. I would make smaller payments each month -which usually means a longer loan- but then after 25 years the loan would be forgiven.

At first I thought the decision would be easy. Lower payments and a debt that would be forgiven? Why wouldn’t I choose the income based plan? I knew there were good financial reasons to pay off debt sooner: less money paid on interest, better cash flow month to month, etc. etc.  But as I did the math I found that financially the income based plan was still the best option.

So, I signed up. I felt smart for having more to spend each month and gracious to the government program that was making it all possible.

And yet, something felt off. I knew I wasn’t doing anything illegal, I was choosing a repayment plan that was being offered to me, and honestly reporting my income. But I also knew that I could afford to pay more, but was choosing not to knowing that what I didn’t pay would simply be forgiven later.

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