How do you beemind your finances?

I think it would depend on what part of your finances you are wanting to focus on: reducing expenses or increasing savings.

For reducing expenses, I also use Mint.com, but I’ve added a HabitRPG weekly task to go in and fix uncategorized expenses. This also forces me to view my budgets and how I am doing in each.

For increasing savings, I believe the best is to set up automatic transfers from your paycheck. Depending on your needs this could be to a savings account (NOT linked to a debit card for better self control), a retirement account like a 401K/IRA, or tax-advantaged savings account for your child like an UGMA/UTMA.

If I’m reading into your post correctly (self-employed?), it might not be possible to set up automatic transfers, so you could Beemind the value in the savings vehicle to ensure that you do a manual transfer regularly.

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