Finances - Software Question Etc.
Mar. 25th, 2010 11:11 amI've been working on improving our financial management, after we bought the house things in that department fell apart. So I've been tracking our expenses to get some baseline information. I've been doing it on an excel spreadsheet. I've looked at several online budgeting tools- mint and wesabe. All of the tools want me to enter my banking information- accounts etc. I think this is crazy. Just crazy. Why on earth would I trust that these folks aren't going to get hacked? Or that they won't have a criminal employee? It doesn't seem safe. And yet the NYT and various other sites tout these places as good ways to manage money. Am I just paranoid and an old fuddy duddy about this? I have to wonder if they are that much better than the excel sheet, as well.
I get really frustrated with suggestions for austerity I find in online articles. I need suggestions that reflect an all ready (by necessity) frugal lifestyle. Suggesting I cook more and get meal budgets under five dollars a person is ridiculous when I generally keep things well under three dollars and I cook all the time. Also, they always suggest cutting cable. I've never had cable. I make decisions about whether or not I really need X prescription medication or if I should really buy that bottle of cheap wine (and a while back I tracked our grocery expenses- it actually makes the most sense to cut out cheese and switch to frozen veg rather than fresh rather than kill our very minimal booze consumption to reduce our expenses). I guess expecting advice found in conventional media to be relevant to me is asking a bit much.
ETA: This is the one site I've found to be helpful, its really great.
http://www.thesimpledollar.com/
I get really frustrated with suggestions for austerity I find in online articles. I need suggestions that reflect an all ready (by necessity) frugal lifestyle. Suggesting I cook more and get meal budgets under five dollars a person is ridiculous when I generally keep things well under three dollars and I cook all the time. Also, they always suggest cutting cable. I've never had cable. I make decisions about whether or not I really need X prescription medication or if I should really buy that bottle of cheap wine (and a while back I tracked our grocery expenses- it actually makes the most sense to cut out cheese and switch to frozen veg rather than fresh rather than kill our very minimal booze consumption to reduce our expenses). I guess expecting advice found in conventional media to be relevant to me is asking a bit much.
ETA: This is the one site I've found to be helpful, its really great.
http://www.thesimpledollar.com/