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Using a budget manager (YNAB)
I’m really bad with saving money and even having enough ready for regular bills on my own. I was always on zero before the end of the month and struggled hard when there was something unexpected. Now everything is planned ahead, I have some savings and yearly expenses are just ready to pay when needed.
It needs some time to adjust to it and I had to restructure my categories a few times until it worked for me (still not perfect).
Though I don’t feel like I’m getting my money’s worth anymore from YNAB. It keeps getting more expensive, the updates are slow and it seems very US focused. If I ever find the motivation, I want to build something on my own (I’m a web developer from Europe who’s getting a bit tired of web developing)
I tried YNAB once. Wasn't thrilled about the price as well. Now I'm looking at selfhosting an instance of Actual Budget.
Think I will try it out, thanks!