Since I'm having second thoughts I have been working on some contingency plans--a budget with one job, a budget with both jobs, with and without bankruptcy figured in. I would like to eliminate my second job for physical health reasons. Al tho my foot/ankle is healed it is not 100% and I'm terrified that it is going to become a chronic problem. With my preliminary numbers figured in I think I'll be keeping second job for a bit longer to build an emergency fund and some extra cushioning.
Figuring a budget is not a problem for me, sticking to it is. So I need a way to really stick to it. I'm looking at some budgeting software; I have Quicken but find it to be too complex, too much work for what little time I have. I am looking at YNAB (You Need A Budget) and Mnvelope. Only draw back is cost--Is it tacky to ask for donations to purchase one of these programs?
Speaking of YNAB and Mvelopes, has anyone used these programs?? What has your experience been with them? Is the initial outlay of cash worth it? Ay other programs to consider or am I better off figuring out my own system? Think I need to do a bit more digging before I make a decision.