I have developed my own creative DIY budgeting system through my research endeavors. Google Gemini AI has provided me with some greatly appreciated help with this project as well. I don't like to use spreadsheets for my budgeting needs. I use Google docs for my solution. My entries consist of text data plus figure, bold text and colours. I study and analyze my entries.
My solution has real world results as I have paid off my credit card debts and I have saved some money. I have not become overdrawn with my banks. I have multiple bank accounts. I use one main bank account where my money gets paid into. I then transfer segments of money for my bills, into my secondary accounts. I don't touch the money that I have placed into the aforementioned accounts. I do the same for my grocery costs. My solutions are backed by research. Banks and financial advisers have touted the benefits of using multiple bank accounts for budgeting purposes.
I am available to provide consulting, coaching and training services relating to my PTRI DIY budgeting system. This work will be provided on a pro bono basis at present as money is not my motivation.
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