Get your finances together
Learn how Budget Zen can help you organize your finances.
Congratulations on taking the first step toward improving your financial situation by creating a budget!
However, you don't feel like paying a hefty monthly fee, being lectured about why having a budget is fine, or having your bank account transactions synchronized, so tools like YNAB (You Need A Budget) are a bit too much for you.
You also don't want to worry about defining an income and having to use that for your calculations.
Your total budget should be about what you make, assuming you include "Savings" as an expense (you should, so you take it more seriously).
It's not complicated.
But it takes intention, dedication, and perspiration.
This is where a simple tool like Budget Zen comes handy. You just need to define your budgets for the month, and then start logging your expenses as they happen. You won't get alerts, nagging, notifications, emails, or anything, other than what you see when you open up the app, which is how much you've spent, and how much you have left on your budgets for the month.
There is no bank synchronization, data flowing, or even privacy concerns to be had. It's your device, with your data on it (end-to-end encrypted), which is only shared with who you choose to. You just log your expenses (the ones that matter, because sometimes some don't matter; you've already saved for that new iPhone, and logging it as an expense now is just going to mess up your budget accounting, so you don't; it's fine, you're an adult).
Can you imagine being in control of defining your budgets, which expenses are counted towards those, and not having to worry about defining the income? That's Financial
Nirvana Zen right there.
Getting your finances under control is simple and easy as that!
Pro Tip: Create a "Savings" budget with at least 5% of your total budget and make sure to "pay it" as soon as you get paid. Ideally you'd want that budget at 30% or more, but even 1% is better than nothing.