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Anybody use google wallet or similar stuff?

pstall

By pstall,
in Huddle Lounge

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MCP

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Ok, I use YNAB for my budgeting, I set it up at home, and then there are iPhone and android apps to keep track of what is budgeted, and what is available. It syncs through drop box. To limit her spending, I just opened an account at the local credit union, and deposit what she is allowed to spend. And as you said, anything left over at the end of the budget period, she keeps half for blow money. It has worked well for us, and she is much more cognizant of her spending.

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pstall Newbie

pstall

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Ok, I use YNAB for my budgeting, I set it up at home, and then there are iPhone and android apps to keep track of what is budgeted, and what is available. It syncs through drop box. To limit her spending, I just opened an account at the local credit union, and deposit what she is allowed to spend. And as you said, anything left over at the end of the budget period, she keeps half for blow money. It has worked well for us, and she is much more cognizant of her spending.

As one who grew up in the 80's careful with blow money...

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pstall Newbie

pstall

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Why no cash? And are/will you be on the same budget?

Cash can be lost and never seen again. Card can be replaced if need be.

I may use the card just for discretionary stuff.

Im trying to stop the ease in which we spend without micro managing.

I will test this for the month of Nov and see how it goes.

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KSpan Grand Master

KSpan

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Cash can be lost and never seen again. Card can be replaced if need be.

I may use the card just for discretionary stuff.

Im trying to stop the ease in which we spend without micro managing.

I will test this for the month of Nov and see how it goes.

In general, that excuse about cash is a huge cop out - we, and several other families that I've coached, have been on a cash basis for years without issue. Besides, it sounds like you're already losing money by using cards... might as well try something different, right?

From a mechanical standpoint, try having separate accounts where each of you gets $X a pay period to do with as you please. Doesn't matter what each of you does with it, so plenty of autonomy, and once it's gone, it's gone. All other money not earmarked for bills is automatically saved.

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pstall Newbie

pstall

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In general, that excuse about cash is a huge cop out - we, and several other families that I've coached, have been on a cash basis for years without issue. Besides, it sounds like you're already losing money by using cards... might as well try something different, right?

From a mechanical standpoint, try having separate accounts where each of you gets $X a pay period to do with as you please. Doesn't matter what each of you does with it, so plenty of autonomy, and once it's gone, it's gone. All other money not earmarked for bills is automatically saved.

That's an idea.

Not a fan of cash man. Once it's gone it's gone. If it works for you thats great.

I will look into sep accounts.

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thefuzz Mentor

thefuzz

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That's an idea.

Not a fan of cash man. Once it's gone it's gone. If it works for you thats great.

I will look into sep accounts.

 

Not trying to sway your thinking, but I got the wifey on cash only for about 2 months...she was up a few hundred in that time period.

 

However, she slid right back into normalcy....and now she is asking for my card all the time.

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