Today I want to share with you what I think is one of the best online money tracking tools available; and, due to the generosity of Charlie Park, the creator of PearBudget, 3 Frugally Sustainable readers have the chance to win an annual subscription!
All of the best financial guru’s agree that the best way to save money is through a budget and tracking your spending. In fact, one of the main obstacles to frugal living is reckless spending.
I first learned about the PearBudget through a friend a couple of years ago. The PearBudget is a really simple budgeting tool. It’s perfect for people who know they probably should budget, but who aren’t sure how to go about it. It’s streamlined format and excellent aesthetics make the task of tracking spending a pleasant one.
Of the many benefits there are to working with PearBudget, these are a few that I love:
- It only takes 15-20 minutes to get started.
- You can completely customize the categories — nothing’s pre-set.
- All of your personal information is safe and secure.
And here’s Charlie in his own words…
The other day, Jody Allen had a great post here on how to stick to a budget. I was working on a post that covered a lot of the same ground, but hers was so good, I figured it didn’t make sense to re-write the same stuff. Instead, then, I’d love to give you something! Before I get to that, though, a quick bit of back-story on who I am.
My name’s Charlie Park, and my wife and I were in desperate need of a simple budgeting tool. We’d just gotten married, I had my first job, and even though we were making money, it didn’t seem to be enough to cover our bills. We knew we needed something that would help us know where our money was going. I’ll try to keep the story short by jumping to the end — after looking and looking and not finding what we needed, we ended up building a really simple website to help people like us make and keep a budget.
The tool we built is called PearBudget, and it’s totally free to check out — you don’t need to enter a credit card (or even an e-mail address!) to build a budget and start tracking your expenses. Then, if you find that it’s useful (most people do!), you can sign up to use it beyond the first free month. It works like an updated version of the “envelope” system of budgeting, and it works well for those who use credit cards all the time, for those who’ve sworn off credit cards altogether, and for everyone in between. You probably fit into one of those groups, right?
Anyway, since this month is all about being frugal, and since there’s almost nothing more frugal than “free”, I want to give away some FREE subscriptions to PearBudget. It’s normally $49.50 to subscribe to PearBudget for 12 months, but I want to give away three annual memberships to Frugally Sustainable readers.
Follow the giveaway widget to enter to win. Then comment below before the end of the 23 Day Frugal Living Challenge, and tell us what your biggest obstacle to budgeting is — maybe it’s making the time for it? Maybe it’s getting everyone in your house on-board? Maybe it’s staying on top of what you still have available to spend? Maybe it’s something else entirely. We just want to know: What’s the biggest hurdle that stands in your way of budgeting well.
Three people will each get a year’s membership to PearBudget. And all of you can get a free month at PearBudget just by heading over and checking out the free budget setup wizard. Good luck winning the contest!