The Competition and Consumer Protection Councils online budget planner allows you to work out what you are spending your money on and compare this with your income. Download SCU Monthly Budget Template (92.2kb) Sarsfield Credit Union have constructed a simple monthly budget planner which you can download. It is a manual process, but if you get into a routine of updating it, it is one of the most simple ways to manage your budget. One can never underestimate the power of a good spreadsheet, and there are many you can find online. This app is very simple and free to use - and if you want to use a different money management tool what your online banking platform offers, it allows you to categorise spending into different categories and set targets and budgets. It is subscription-based, with a free 34-day trial and then annual fee after that. If the app doesnt connect with your bank, you can manually input your data. The app allows you to even out the expenses which crop up over the year - including monthly bills and irregular bills (such as birthdays, insurance premiums etc.). YNAB is possibly one of the worlds most popular budgeting apps - and it focuses on your total spending and income that has accrued in the past as well as setting targets for future spending. It also has a nifty Family Sharing feature that allows users to sync income and expenses between multiple devices. The app enables families to create budgets, manage income amounts and categorise expenses. Home Budget is a solution for family finance management. Like others, it has a tiered pricing system, with basic free and then monthly fees. It includes all features mentioned above, as well as shared wallets for sharing with family members, utility bill tracker so you know when bills are due. Spendee is an app which does support connections to Irish banks, meaning it will automatically take in all your incomings and outgoings in your bank account. You can still use some of these offline - which means you can manually add your expenses. There are many apps out there like Mint or Emma, which are all great at helping you manage your expenses, setting targeted spending goals and splitting spending targets per category - but they are mostly US and UK based, so some may not support connections with Irish banks. Sarsfield Credit Union have compiled a list of diverse budgeting tools at your disposal to help get your finances on track. With potentially more price hikes set to follow in 2022, most families can expect higher household bills over the coming months. Every Irish household is dealing with price increases across a wide range of goods and services.
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