Use the budgeting tool that works for you. (Here’s what works for us.)

There’s a million different ways to manage your money.

And a million different tools to help.

I get asked often what tool should I use?

My answer is always the same…

Use the tool that works best for you.

Here’s what works best for us.

Carrie and I use a Google Sheet.

We use it to track our spending, work a monthly budget, work our debt snowball, and track our net worth.

From day one I liked having control over how our budget worked and looked. I also love the straightforward simplicity of spreadsheets.

We did a hand written budget for the first six months. Yeah, like… pencil, paper, calculator. (I know!)

After we had control of our budget I re-created the paper budget with a spreadsheet using Google Docs.

We used that same spreadsheet for six years! And we still use it today.

Put a rocket on your spreadsheet

I mentioned that we’ve been using the same spreadsheet for six years now.

Truth.

But not the whole truth.

About a year ago I found Tiller!!!!!!!!!

Tiller automatically pulls your bank transactions into a Google Sheet for you. All you need to do is categorize each transaction to track your spending and create a new budget for the upcoming month.

The automation saves me between 20 and 30 minutes of punching in the numbers by hand. It eliminates the chances of missing a transaction or counting a transaction twice. But it’s not too automated. I’ve tried some of the other tools that try to auto-categorize your spending for you and they never got it right. I was always second guessing it and ended up checking everything anyway! I want to be involved with my budget, I don’t want a tool to do it all for me, in my opinion that’s missing the entire point.

If you already use a spreadsheet, you’ll love Tiller.

If you tried another budgeting tool but it didn’t rock your world, try Tiller.

If you don’t have a budget at all, try Tiller immediately!

If you want to track (and grow) your net worth, Tiller.

If you want to pay off your debt faster, Tiller.

If you want to track your spending, Tiller.

Check out my free video series that shows you exactly how Tiller works.

For the millionth-billionth time, do what works for you.

What tool do you use? Why do you like it? What do you wish it did better?

-Derek

4 Responses to "Use the budgeting tool that works for you. (Here’s what works for us.)"

  1. Creditmarvel.com   May 15, 2017 at 10:20 am

    Budgeting is my weakness for sure. My husband and I start out strong..finding the right budgeting tool ..and we never really follow through. Time to get back on the bandwagon for sure! Thanks for the great article!

    Reply
  2. Durga   May 20, 2017 at 1:59 am

    Budgeting tool may appear weird for some people, as they are capable enough to plan their budget. But your post helps me the best to choose out the best tool tiller for myself to budget my finances.

    Reply
  3. Sagar Nandwani   September 14, 2017 at 5:53 am

    Pocket Guard bolis budgeting down to the only thing many users want to know: how much they have for spending. It crunches the numbers to show how much money is available after accounting for bills, spending and savings goal contributions. All users can view how much money is left “in their pocket” for the day, week or month. Those who want to dial down further can track certain categories of spending like groceries, clothing or eating out.

    Reply
  4. CreditZeal   November 13, 2017 at 8:51 pm

    Budgeting is one of those things that everyone should be doing but few people really do. Creating and sticking to a budget has been a game changer for my partner and I. We have been able to save for holidays and manage our expenses a lot better.

    Reply

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