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I need a budgeting app that will cope with multiple incomes coming in on different days of the month and multiple outgoings on different days.

3 replies

StarCourt · 29/04/2026 12:50

fairly simple to set up and maintain? I have ADHD and can be a bit chaotic with impulse spending sometimes. My bills are always paid and I have some debt ( around 2k total that I’m paying off every month in instalments ). I don’t earn loads ( around £28k ) and am dropping my hours from 4 days per week to 3 ( been off work for 3 months due to stress, burnout, depression and various poor health conditions I have a DC who is autistic. Has ADHD and depression and I’m a lone parent. The dropping to 3 days is non negotiable as I just cannot cope any more ). I’ve worked full time all my life until dropping to 4 days last year and I’m 59 years old. I have salary/ UC top up/ PIP/DLA/CB all coming in at different times each month and outgoings going out at different times each month. I need a better way to manage my finances That I can see easily and keep up with.
I have executive function issues and am
Prone to impulse spending.
Any suggestions?

OP posts:
TheOliveDreamer · 30/04/2026 23:26

There's a few things here. Before thinking an app is the solution we need to get to the bottom of the issues. Things come in at different times and go out at different times. This is stressful for you. Impulse spending also comes into play.

First thing is having a budget that covers everything with the dates the payments come out. I just use Excel. This means you can easily adjust the numbers when a bill changes. Budget for everything. I have an irregular spend amount on here so I'm saving toward things that aren't monthly but will happen. Check it once a month.

Secondly is do you have an emergency fund. Start a pot to save 1k.

Thirdly is getting organised on the day to day. I basically get paid into one account and then have a set amount going into a separate account where all the bills come out of so I can't overspend. You could build up enough in that account so it covers say 6 weeks so it never goes overdrawn and then it doesn't matter about different timings of payments.

Another option (or as well) is opening an account like Chase. You can have loads of accounts within it and name them. It's very easy to use. I use it for my monthly budget for food, fun, travel etc but you could use it for bills or whatever. Monza is a similar option.

There's also prepaid debit cards like Hyper Jar which you can load an amount onto. I used to use that until I discovered Chase which I prefer.

Other things for impulse spending - stick it in a basket for later. Create a 'things I can't afford' or 'when I get paid' list. Often the need evaporates for some things. Its about creating a gap between doing it now and moving it to later. Then hopefully forgetting about it.

Rebel Finance School also has a good free course.

StarCourt · 01/05/2026 22:50

Really insightful thank you

OP posts:
BertieBotts · 09/05/2026 20:36

YNAB would cope with this no bother, or any of the free alternatives based on it. It's basically a money jar/envelope system done digitally.

I do pay for YNAB because TBH it saves us more than it costs. I also have ADHD and I find it the only ADHD friendly one, but I also signed up when it was cheaper and got used to it before the other similar ones came out. If I was starting from scratch I might use one of the others instead, I don't have the brain space to learn a new system now.

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