Andy

I'm Andy. Software engineer by day. Hacker by night. I love finance and enjoy helping others learn to budget. This is why I built Centsible.

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Updates

Centsible is Going Single Lifetime Purchase... Mostly.

You read that right. I didn't take this decision lightly. It's something that's been on the back of my mind for months. Then 37Signals released Once.com. It really resonated with me. Then I knew what I had to do. I'm old enough to remember when software was buy once.

Budgeting

How To Budget

Welcome to a complete guide on managing your money with a budget. We'll cover what budgeting is, budgeting methods, and dispel some common misconceptions about budgeting. It isn't about being restrictive or living on beans and rice. In reality a budget done right is simply a plan that gives you

Budgeting

What is a Sinking Fund? The Money Secret They Never Taught You in School!

Picture this - you've been so tired of feeling stressed about money. So you decided to take your finances serious. You created a solid budget. Rather than take that coffee run, you squirreled away that money to pad your savings. Your emergency fund was beginning to grow. You thought, "maybe

10 Tips On How To Spend Less Money

Whether you are saving for a down payment on a home, putting together an emergency fund, or just trying to find extra money at the end of every month, spending less is a great way to start reaching your financial goals. There are several different ways that you can cut

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12 Money Questions To Ask Yourself & Your Partner

Money for some has become a taboo topic. Not only is it something we don't speak with others about, but money is off limits even to ourselves. It's no surprise so many people feel like they are struggling financially. What can we do? It is important to first look and

How To Save Money From Salary

Do you get a paycheck and see it disappear right before your very eyes? You are not alone. Approximately 64% of Americans are living paycheck to paycheck according to a report by LendingClub [https://ir.lendingclub.com/news/news-details/2022/48-Percent-of-Americans-with-Annual-Incomes-over-100000-Live-Paycheck-to-Paycheck-9-percentage-points-higher-than-first-reported-in-June-2021/default.aspx] . For this reason it is increasingly important

Budgeting

Cash Envelope Categories For Beginners

I was recently giving advice to someone on keeping track of expenses and budgeting with cash only. Although I built Centsible to bring the cash envelope system digitally, I highly recommend using envelopes to budget cash. But what is the cash envelope system? What Is The Cash Envelope System? The

Budgeting

Looking For A Kakeibo App?

Finding the right budgeting style and app to go with it can be hard, but we can simplify it by trying the Kakeibo method. But what is Kakeibo? Kakeibo is a Japanese style of budgeting. What makes this type of budgeting different is that it asks you to manually track

Save Money

6 Ways To Save Money, Live Better

I was shopping on walmart.com the other day when I stumbled upon their slogan, "Save Money. Live Better". That got me thinking how we all want to save money, but do we live better? Below are 6 ways we can do both: 1. Focus on your health. 2. Get

Announcement

Introducing Envelope Budgeting With Centsible

Several years ago I was looking for a good budgeting app. I had a baby on the way and needed to get my finances in order. I went through the same gauntlet of trying every budgeting app under the sun. One specific method stuck out to me, the envelope budget.