Aaron Parecki

🔴 Live: Our Top 4 Budgeting Apps for 2024... and what not to use

January 3, 2024

Questions

(10:53) chats are back!

(10:56) chats are back!

(11:01) chats are back!

(11:11) Happy New Year All!

(11:13) good time zone all~

(11:16) good time zone all~

(11:23) hello, hope everyone had a great holiday. Did you get a hair cut? I like the curl.

(24:05) I am an eternal student, but that never counts

(24:12) i have some fundamental disagreements with YNAB about how they handle credit cards, i've contacted support multiple times and they keep doubling down on it. but I still use it.

(24:18) i have some fundamental disagreements with YNAB about how they handle credit cards, i've contacted support multiple times and they keep doubling down on it. but I still use it.

(24:23) i have some fundamental disagreements with YNAB about how they handle credit cards, i've contacted support multiple times and they keep doubling down on it. but I still use it.

(24:50) @Kendrick Martin I have a credit union it can't import and I am going to close that account instead 😂

(25:06) 😂 it works like 75% of the time but every so often i have to manually import them

(25:30) why am I not suprised there is a ynab group?

(32:51) is this the best app so far?

(33:12) I'm also looking for something that can download the PDFs of all my statements from various sites and download them.

(33:35) PDFs?? that seems like a losing battle. thankfully all the banks are finally migrating to OAuth so live import works reasonably well in most of them

(33:55) Tiny Font Disease happens a lot in games too. It's a massive accessibility issue

(40:25) Any software that is any good that is not a subscription?

(45:44) I'm waiting for Director's track for this show. "Show needs more energy...cue the cute kittens..."

(45:54) don't mind purchasing software... don't like subscriptions... at all really... they sell it on constant improvements but I find that as a sales tactic mostly.

(46:44) i mean, enterprise software loves the subscription model too

(46:52) You can use every dollar as a free account but you have to enter in everything manually. been using that way since 2018

(47:16) I love that I keep my credit cards and use every dollar. but i did get YNAB for my business so I can practice the profit first cash flow management

(47:47) Only ynab and toshl are available for download on app store over here XD

(51:34) If one is using paid subscription software to make money then it is a cost of doing business. I my situation, it is just a continuous expense. Kinda like a financial death by a thousand cuts.

(52:52) I use Personal Capital / Empower and I completely agree with that assessment

(53:36) I think Empower doesn't work for Canadians

(53:43) There is app good budget, it's very simple

(53:50) There is app good budget, it's very simple

(53:55) There is app good budget, it's very simple

(54:45) I have a feeling my spouse would like ynab. I'm still a paper and pen budgeter, but this is all good to save for later

(55:31) Empower is available for download here but not sure if full service is available XD

(55:51) The japanese quake didn’t affect my city but there’s been other quakes in the ring if fire that’s been affecting us, @adhdqueen

(56:31) is good budget the orange one?

(57:00) I’m split between usd, aud, and php so toshl is okay

(1:01:32) I made myself buttermilk pancakes from scratch for the first time before I saw the stream. surprising it turned out good

(1:01:51) theyre sleepy. they had a big day

(1:04:13) credit cards aren't bad if you pay them off

(1:05:05) this is obvious but avoid credit cards until they have a steady income

(1:06:04) I feel like if a person is struggling with general life issues, working out the whole 'yes you get the thing now, but you must pay attention to paying it back' is hard

(1:07:54) credit means you are in Dept... staying out of Dept is really critical when you are trying to build yourself up.

(1:09:16) Credit building seems different

(1:12:00) Yes getting credit and rebuilding my credit it was capital one 20 years and even now after the Canadian bankruptcy

(1:12:07) credit score is sometimes use on car insurance

(1:14:31) this whole convo all stream has been super interesting but it's a shame about the random buffering

(1:14:44) homeless to rebuilding a life, creditors and landlords don't ask questions when your credit is amazing. I know that from moving in this apartment 16 years ago, so yes min. 2 credits use cash majority

(1:15:08) My country doesn’t really operate on credit score but i do keep credit cards and i only really apply 1/4 of my income XD it helps keeping credit healthy

(1:15:35) Funny thing if you want a job at a skip trace collection agency they want you to have a good credit score

(1:17:41) Good grief. That's so unconscionable

(1:17:47) Yep, lotsa lab this stream

(1:17:49) i think it's on our side, not sure what's going on today

(1:17:58) Canada promotes new immigrant credit rebuilding credit cards it's wild how they target them

(1:20:24) Bye kids !

(1:20:25) Thank you all for the stream!

(1:20:32) Yes capital one mastered giving you multiple chances to rebuild or start credit. I've been with them on off my whole adult life. 😂

(1:27:19) Bye kids !

(1:27:21) Bye kids !

(1:27:23) Bye kids !

(1:27:33) Bye kids !

(1:27:45) Bye kids !

(1:28:12) Bye kids !

(1:28:21) Bye kids !

(1:28:23) Bye kids !

(1:28:28) Bye kids !

(1:28:41) Bye kids !

(3:41:21) Bye kids !