A monthly budget reset that takes less than 20 minutes
A simple end-of-month routine for closing out spending, carrying forward what matters, and starting the next month with clarity.
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Money advice that actually feels clear.
Practical, judgment-free guidance for budgeting, saving, and building a calmer relationship with your money, written for real life.
Latest guides
Read at your own pace
Short, practical notes to help you make sense of your month and turn the ideas into habits you can keep.
Build a spending routine you can actually keep
A better spending routine is less about discipline and more about making review simple enough to repeat.
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Sinking funds that reduce stress before expenses arrive
A few well-chosen sinking funds can make irregular expenses feel planned instead of disruptive.
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Make budgeting stick by automating the parts that drain attention
The easiest way to keep budgeting is to remove repetitive work and spend your attention on decisions that matter.
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Giving to those in need
As a company striving to do good for people first, we are working with Mobile Loaves & Fishes with their Community First! Village to make a difference in the Austin homeless community.
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Updated Budgets.Money Homepage
We learned a lot and grew as a company. Now we're ready to come back big with the launch of our new site. It's fast, fun, and most importantly, it will hopefully help you have a healthier relationship with money.
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Add your partner, get one month free
Budgets recently added a way for you to invite your partner to help budget with you. Once invited, they will be able to set up their own account with have access to your budget. To top it all off, we will credit your account with $5 so that your next month of Budgeting is free. Just a small way that we can help couples who are starting off budgeting together. Get started at https://my.budgets.money
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How To Avoid Fights About Money
Money can be a sensitive topic, so it's important to have a plan to navigate these conversations. In this week's episode, Derek, Jackie, and I review some strategies for avoiding fights about money with your significant other.
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May App Updates
In May, we launched our #BudgetsOfLove campaign with relationship budgeting content, shared recent app updates, and recorded our first video podcast with the Successfully Simple Sisters.
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Interview with the Successfully Simple Sisters
The Successfully Simple Sisters have paid off over $225,000 of debt in the last 4 years. They share some of their incredible stories and give some insight into some budgeting tips they have learned along the way.
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How well do you know your partner?
Not all of these questions should be asked on the first date... actually probably none of them should be. But as you and your significant other grow closer together, money is not a topic you want to avoid for too long.
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#BudgetsOfLove
We are launching our Budgets Of Love campaign to share a little bit more of our story and why we think Budgeting is so important. Jackie's and my budgeting journey began when we got married.
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30 Ways to Save Money on your Wedding
Weddings are memories that can be treasured forever. Saving money on your wedding doesn't mean you are cheap, but instead you are choosing to prioritize and plan for other things in life. Here are our top 30 ways that you can have a great wedding without paying top dollar:
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Podcast #10: Ways to Save Money on your Wedding
This week Derek and I kicked off our #BudgetsOfLove series by going through our top ten ideas for saving money on your wedding - with special guest, my wife Jackie!
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Podcast #9: Freakin' Taxes
Is taxation theft? Why are taxes so hard? What is the worst part about taxes? Derek and I discuss tax season and how it could be better.
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April App Updates
1. A Cleaner Summary 2. Transfer Balances from the Homepage 3. An Even Quicker Setup
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Podcast #8 Side Hustles: Some Ideas to Get You Started
Derek and I discuss the efforts of a few small businesses in Austin as they try to adapt during the pandemic. We also share a few side hustle ideas and what it takes to have a good one that can help you earn money.
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Podcast #7: What Are You Worth?
Derek and I compare ourselves to billionaires while sharing our thoughts on worth. We try our best at sharing a bit of our perspective and faith in hopes of being encouraging in this historic time.
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Exploring Zero-Based Budgeting
In the fall of 2016, I had a last-minute opportunity to go on a work conference trip to San Francisco! It was legit, a 3 day software conference at Twitter’s headquarters, where I got to nerd out with fellow software engineers from all over the world, all expenses paid! Or at least, it should have been all expenses paid… After coming back from the trip, I filed a quick reimbursement claim to my employer and forgot about it. Over a year later, when I needed to file another reimbursement claim, I
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Podcast #6: Some Things To Do in a Time Like This
Derek and I share a few things that you can do for yourself or to help others while "social distancing" and avoiding people.
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The Why of FI
FIRE means Financial Independence, Retire Early. In this day and age, there seem to be two camps of people. In one camp, we have people who believe in saving for retirement, and in the other camp, we have people who think retiring is out of reach and are fine working for the rest of their life.
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The Origin Story of Budgets
Jake and Jackie met in September of 2015 and fell in love. Oh, wait… that sounds more like my marriage story. First, let’s go back a little further to when Derek and I met.
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Three Money Mindsets to Get You Started
Everyone has their own lenses through which they view the world. Some people believe they’re stuck with whatever fate has bestowed them, others drift with the wind taking life as it comes, and some may think they have the power to impact change in their life.
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Habit-Building Your Budget
By touching every transaction, you are adding back that sense of feeling and awareness that we lost by using our credit card. Building up a habit of doing this for every transaction will give you a better understanding of your financial snapshot and realize your situation better.
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Credit Cards — Schmedit Cards
What kind of credit card you get depends on your situation and maybe even your personality. I outline a few different types of people and the credit cards that I would recommend for them.
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Why Using Budgets Paid Off
I would never have been able to afford that car bill if it weren’t for Budgets, or Jake or Derek. Because I started tracking where my money was going in advance and could see where my money would go each month, I was able to start saving and ultimately keep myself out of debt.
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Build Habits and Change Your Lifestyle
Here 4 ways to get better at keeping habits: 1. Scale It Down 2. Stack Your Habits 3. Create Context 4. Your Environment Matters
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The Eating Out Hack
For our first “Frugal Friday” post, I thought I’d share with you guys the hack that made Wu Chow an accessible treat for Jake and I, allowing us to stay within our budget, worry free. Are you ready? I don’t think you are…
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A Budgeting App for People Like Us.
Budgets’ mission is to help people develop a healthier relationship with money. We at Budgets see a “healthy” relationship with money as having an empowered mindset that allows you to live between the extremes of saving and spending.
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The Money-Conscious “Budgeter”
Y’all, my baby-boomer Daddy raised me right. He helped me write my first resume, get my first job at 16, do my own taxes, and open all my checking and savings accounts.
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5 Steps to Get Started with Budgets
1. Download the app 2. Create an account and sign in 3. Pick your budget categories 4. Add your financial accounts 5. Setup your budgets
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