Alright, let’s yak about these money things, Monarch and EveryDollar. Folks keep jabberin’ about ’em, so I figured I’d poke around and see what the fuss is all about. Don’t expect no fancy talk, I’m just gonna tell it like it is, same way I’d tell ya how to make a good pot of beans.
Monarch Money, that’s the first one. Now, what I hear, it’s pretty good if you got a husband or a wife or somebody you’re sharin’ your money with. They say it’s easy to use, even for folks who ain’t too keen on all this computer stuff. My neighbor, bless her heart, she can barely turn on the TV, but she says even she could figure out this Monarch thing. So, that’s gotta count for somethin’, right?
They say it helps you keep track of where your money’s goin’. You know, like how much you’re spendin’ on groceries, how much on the electric bill, and how much you’re wastin’ on that fancy coffee they sell at the store. Lord knows I could use somethin’ like that. Sometimes I look at my bank account and wonder where it all went. It’s like a chicken coop with a hole in the fence, money just flyin’ out every which way.
And this Monarch thing, it lets you make a budget. Now, I ain’t never been one for fancy budgets, but I reckon it’s just a way of plannin’ where your money’s gonna go before you spend it. Like, sayin’ “I’m gonna spend this much on food, this much on the house, and this much on, well, whatever you spend your money on.” It’s like makin’ a grocery list before you go to the store, so you don’t end up buyin’ a bunch of stuff you don’t need.
Then there’s this EveryDollar thing. I hear it’s good too, but maybe a little different. They say it updates real quick, so you always know how much money you got left. That’s handy, I guess. Nothin’ worse than thinkin’ you got money in your pocket and then findin’ out you’re broke at the checkout line. Been there, done that, got the t-shirt, as they say.
- Monarch Money: Good for couples, easy to use, helps you track your spending and make a budget.
- EveryDollar: Updates real fast, so you always know where you stand with your money.
Now, from what I gather, both of these things cost money. Nothin’ in life is free, I tell ya. But they say Monarch is a bit more expensive. Well, you gotta pay for quality, I suppose. But you also gotta make sure you can afford it in the first place! Don’t wanna spend all your money on a budget app, then have nothin’ left to budget!
People are always blabberin’ about which one is better, Monarch or EveryDollar. It’s like arguin’ over whose biscuits are better, mine or my sister-in-law’s. Everybody’s got their own opinion. But I reckon it depends on what you need. If you got a partner and you want somethin’ easy to use, maybe Monarch is the way to go. If you just wanna keep a close eye on your money and make sure you ain’t overspendin’, maybe EveryDollar is better.
They got all sorts of fancy features, these apps. They can connect to your bank account, they can make charts and graphs, and they can probably even do your taxes for you, for all I know. But at the end of the day, it’s all about spendin’ less than you make, right? That’s what my grandma always told me. And she was a smart woman, even though she never had no fancy budget app.
So, which one should you choose? Well, I ain’t gonna tell you what to do. You gotta figure that out for yourself. But I will say this: it’s important to take care of your money. It ain’t gonna grow on trees, you know. And whether you use Monarch, EveryDollar, or just a good old-fashioned notebook and pencil, the important thing is to have a plan and stick to it. That’s the only way to make sure you got enough money to pay the bills, buy your groceries, and maybe even treat yourself to somethin’ nice every now and then.
And another thing, don’t go spendin’ money on these things if you can’t afford ‘em. A lot of folks get caught up in fancy apps and gadgets, but sometimes the simplest way is the best way. Remember that old saying, “penny wise, pound foolish”? Don’t let that be you.
Folks compare these budgeting apps all the time – Monarch Money vs. EveryDollar, EveryDollar vs. You Need A Budget (YNAB) vs. Monarch Money, even EveryDollar vs. CoPilot vs. Monarch Money. It just goes to show you, there’s a whole heap of options out there. Just gotta find the one that fits you like a good pair of shoes. And if none of ’em feel right, well, there’s nothin’ wrong with doin’ things the old-fashioned way. Just make sure you’re takin’ care of your money, that’s all that matters.
