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I cannot emphasize it enough that everyone needs a budget and should have a budget.  We should be all be in control of our money, not the other way around.

I had made a mistake of not starting budgeting earlier in my life. I felt like I wasted so much of my hard-earned money on things I did not even know.

We work hard to earn so it’s just right to be aware where every penny went.

Everyone is different so everyone does things differently. And when it comes to budgeting, everyone has their own comfort zone.

Some people prefers to write things down on a paper and some prefers the convenience of computers. But some also do both. So whatever suits your need, go for it.

Below are some of the budgeting tools that I personally use or used for our monthly budget.

Check out Best Guide to a Monthly Budget to get an idea on how to start a budget.

Foolproof Budget Tracker

Excel or Numbers

I have always been fond of Numbers and up to now, it is still the one I use. I use this to keep track of the accounts I have.

Some people swears by Excel so just use whichever you’re comfortable with.


This is one of the budgeting tools which is perfect for those who prefer to do the cash system only budgeting. Each envelope is a category which corresponds to one of your monthly budget items, like grocery, entertainment, fuel money, etc.

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Check these cute cash envelopes for budgeting.

Each envelope contains the amount you allocated for each category in CASH. This method lets you see how much you have left each time. Remember, when the cash is gone, it is gone, you have to work around it

Every Dollar

Every dollar is a free budgeting app, which ties to the baby step principle of Dave Ramsay. In this app, you can set up your monthly budget, then manually put in your expenses each time you buy something. You can have this automated if you have your bank accounts connected. This is available on the paid version.


Mint is another budget app where you can have all your bills, bank accounts, credit cards, iinvestments, mortgage and monthly budget in one place.

It tracks your credit score too. And most importantly, it is FREE.

If you want to take your budgeting skills to the next level, you can try out Honey Money. It is an online app that does not only track your expenses but it also offers financial planning. You can try it for FREE.

Personal Capital

Personal Capital is like Mint, it is also FREE. It is more detailed than Mint because it tracks your net worth, your cash flow, your portfolio, your investments, and more.

I just started using Personal Capital and I like how it focuses more on investment. It gave me an idea on better investment planning.

FREE FILLABLE Monthly Budget Template

It's Never Too Late To Start Budgeting.

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    Budgeting should never be overwhelming. There are tools that can help ease the burden. You just have to choose what you are comfortable with and stick with it. You do not have to use all of the tools available out there.

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    What are your budgeting tools? Do you have a favorite?

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    Best Budgeting Tools You Need For An Organized Budget

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