alt Hacker NewsI have a budget, which is an excel file, that lists my fixed expenses. I add a row, select the frequency, and let the formula I wrote a while back work out how much discretionary funds are left. There are dozens of other software products out there that also serve this purpose as well as actual paper ledgers you could use instead.
Ahh but there's the rub. If I buy the software one time, I never have to think about it again and I never have to add it to a spreadsheet/peripheral software.