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Anonymous
Expense Tracking & Other Financial Monitoring 2016-06-23 02:26:24 Post No.
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Expense Tracking & Other Financial Monitoring 2016-06-23 02:26:24 Post No.
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Evening /biz/.. first time poster.
I'm looking into tracking my finances in order to get a better grasp on where my money goes, where it should go, where I should be saving, and other odds/ends. I've got a simple excel sheet I keep updated twice a month with some of the finer details, but feel I could expand this into something more complex.
What else should I be tracking, or doing better to monitor current and future finances? There's other small expenses like food, utilities and internet I'll add down the line, they simply didn't fall on the high priority list when I developed it. Small side note, the car should be completely paid off by march-april next year.
In before paying too much/small savings/not making enough/shitty spreadsheet/etc, etc, etc.
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what is kohls
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Just use Quicken for fucks sake. Pirate it off kat if you're a cheap ho.
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>>1329856
A department store I have a credit line with.
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>>1329860
is it zero interest or something? why not pay it off
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>>1329866
This. Why not pay your debnts?
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>>1329866
>>1329869
It's good debt. I keep a small balance which goes towards raising my credit rating. It's a relatively small credit line of $700; if I keep under 30% it's considered a "good" utilization and adds to my credit rating over time. Only reason I have $200 on it is because I needed some new shirts the other day. Low interest so I'm not too concerned about paying it off quickly.
The student loan is also considered good debt to have. I could pay it off pretty quick but there's no point, I wouldn't get a higher credit rating over time that way. The car loan is the thing I'm focused on paying off first simply because the monthly payments are on a high end. Once it's paid off next year I'll have $300 more a month I can apply to something else I need the cash for.
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>>1329877
>It's good debt.
no it's not. cc debt is not good debt. what is the apr?
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>>1329906
Last time I inquired it was 15%, but interest is only generated the remaining balance due at each billing cycle. I'll pay it down to $50 on Friday and generate an entire $7 interest which is relatively nothing. Subsequent payments will drop to around $15 a month and I'll just ride it out all the while adding to my credit rating.
It's good debt if you keep the balance low and pay it off frequently.
It's bad debt if you max it out like a moron.
The key is utilization and how it reflects upon your credit rating. As long as you're not stupid about it, retaining a tiny balance does more good than harm.
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I like Mint so dropping it in here as a recommendation.
Tracks everything in one place even my 401k and PayPal.
Has an app for phones too.
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>>1329940
This. Started using it little over a year ago. It has a lot of extra bullshit i dont use/never setup like spending trends and budgeting categories like groceries, gas etc.. Can check your credit free every 3 months too which is cool.
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>>1329877
Good is not optimal shitcunt. You have no idea what you're talking about. Wait till Li comes and shits down your throat.
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>>1329877
>having debts to raise credit rating
Please fucking no.
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