I'm a developer with ideas to implement ways to better manage personal finances. Was hoping to see what others have come up with until now.<p>One thing I did do, however, was create a spreadsheet that allows me to track all my Chase credit card points super nicely.<p>Here is the link: https://docs.google.com/spreadsheets/d/1ciivnpDHQJyC5WJWNj0UfBJY95mnWTFVpYpKk_n9Rr4/edit?usp=sharing
Better than budgeting, change your lifestyle. Ride a bicycle and get rid of your car, rent a smaller/cheaper apartment or get roommates, get a job with free office food, work more so that you naturally have less time to spend money, get a better paying job. Lifestyle changes are higher impact than budgeting, which IMO is a waste of time unless you're retired/pensioned.
There was a recent post about essentially the same topic here: <a href="https://news.ycombinator.com/item?id=22004515" rel="nofollow">https://news.ycombinator.com/item?id=22004515</a>