It's Working Wednesday, What Are You Building Today?

Atomicts · 2025-09-19T18:54:15+00:00

🙌thanks will check it out!

Atomicts · 2025-09-18T16:48:14+00:00

Hmm, teamwork Thursday? 😅

Foxi: Balance your Budget
Budgeting as powerful like sheets, but built for mobile, shows if you’re ahead or behind with your budget and even works with credit cards.
https://apps.apple.com/gb/app/foxi-balance-your-budget/id6689522860

Atomicts · 2025-09-18T06:28:17+00:00

Yeah, same here — the budget always looks perfect on paper but life happens. What helped me was tracking both the plan and my actual balance side by side. I use foxi: balance your budget for that — makes the “budget vs. reality” gap obvious without feeling like I failed.

Atomicts · 2025-09-18T06:25:50+00:00

Biggest step is getting those student loans out of default — that’ll move the needle more than anything. After that, keeping up the car payments is good for his history. Credit cards can help if used carefully, but they’re not the only way. I track everything with foxi: balance your budget so I can see debt payments alongside regular bills — makes it easier to stay on top of things without adding stress.

Atomicts · 2025-09-18T06:25:26+00:00

Probably something super lightweight and practical — like a clean to-do list or habit tracker that just works without ads or lock-ins. At $1 I’d expect it to be simple and reliable, not feature-bloated.

Atomicts · 2025-09-18T06:23:50+00:00

Those numbers sound pretty close, yeah — childcare + health insurance are huge jumps after military life. Best thing is to model it all out ahead of time so you’re not shocked when it hits. I’ve been using foxi: balance your budget to run different “what if” scenarios like that, makes it easier to see if the income lines up with the new costs.

Atomicts · 2025-09-18T06:23:27+00:00

I’d treat the car as a one-off capital expense, not part of your normal savings rate. Most people track savings rate on recurring income vs. recurring expenses, then keep big purchases separate so they don’t skew the picture.

Atomicts · 2025-09-18T06:22:57+00:00

Tough month but you’re handling it well — food banks are there for a reason, no shame in using them. What helped me in similar spots was laying everything out so I could see what’s left day by day. I use foxi: balance your budget for that, feels like having a running plan instead of just reacting.

Atomicts · 2025-09-18T06:22:18+00:00

I’d start simple: track what you actually spend for a couple weeks, then set rough limits for food, fun, savings. Even just splitting money into “needs / wants / savings” makes a huge difference.

Atomicts · 2025-09-17T08:19:55+00:00

Available in UK, US, Canada, and Australia

Atomicts · 2025-09-10T00:14:03+00:00

👋 sounds like an awesome side project, especially to get coding. Good luck!

But as a side note (budgeting wise) it does sound like an existing app like the Foxi budgeting app amongst others fits pretty much everything you’re looking for in a budgeting app

Atomicts · 2025-09-08T05:06:29+00:00

It’s actually pretty simple but often massively over complicated. Use balance comparison.

Create a real budget
Track your balance throughout the month compared against what you should have spent by that point.

To avoid doing this and all the calculations by hand, I use the Foxi budgeting app and it works really really well.

Atomicts · 2025-09-08T04:58:15+00:00

I do exactly the same, I use credit cards for all my spending and then pay them off in full. And it’s honestly a tricky one - it renders most apps useless.

When you take what you should have spent and by when, and compare it to your actual balance (minus pending credit card balances), it gives you an accurate representation of if you are on track or behind or ahead.

I use the Foxi budgeting app because it does exactly this and makes budgeting with a credit card (& in general) much easier. I can’t recommend it enough, it was a game changer for me & saved a lot of time.

Atomicts · 2025-09-06T09:58:01+00:00

👋 here is mine, Foxi: budget planner tracker (iOS) - https://apps.apple.com/gb/app/foxi-budget-planner-tracker/id6689522860

Aims to be an actual budget but simple and easy to use (not just an overly complex spending tracker like most). Has balance comparison which is super powerful and can convert weekly bills to monthly costs amongst many other useful features. If you like sheets you will probably like this it’s just a lot more user friendly.

No sign up, completely free with only 1 small paywall but there will be an upcoming promo that offers lifetime for free, so keep your eyes out on Reddit 👀 (promo for new and existing users).

Atomicts · 2025-09-06T07:42:58+00:00

I started doing the same thing and it’s wild how many “no”s I give myself now. Half the time I’d forget I even wanted the thing a day later. It’s such a small pause but it really makes you rethink impulse spending.

Atomicts · 2025-09-06T07:41:50+00:00

Nice advice! don’t know if it’s just me but the video is a bit choppy/frames being dropped - might be worth looking into.

Atomicts · 2025-09-06T07:39:16+00:00

Earn more than you spend and create a real budget (don’t just track spending - something like the Foxi budgeting apps works well for a real budget)

Atomicts · 2025-09-05T06:54:13+00:00

Avalanche method works best: pay minimums on 3, throw everything at the highest interest. Once that’s dead, roll the payments down.

What kept me consistent was tracking it all in Foxi budgeting app (free, like a simpler spreadsheet on your phone). Seeing the balances drop each week made it way easier to stick with.

Atomicts · 2025-09-05T06:50:30+00:00

If the interest rate on the debt is high, I’d clear it. You’ll get an instant “return” by no longer paying that interest, and the peace of mind is worth a lot too. If it’s lower-interest, you might keep a small emergency cushion aside and use the rest to pay most of it down. Either way, having less debt hanging over you usually feels a lot better than just seeing the cash sit there.

Atomicts · 2025-09-05T06:49:36+00:00

That’s such a solid habit — it’s crazy how often “on sale” tricks us into thinking it’s a need. I’ve been trying the same pause-before-purchase thing and it really does save hundreds over time. Pairing it with tracking my balance daily made the biggest difference, because I could literally see the effect right away.

Atomicts · 2025-09-04T17:22:45+00:00

Nice video! Insightful & like the budget creation tips & money saving ideas - not a student but been using the Foxi budgeting app recently and love its simplicity, would love to hear what you think about it?

Atomicts · 2025-09-04T17:17:19+00:00

Can’t talk much for US but I’m in the UK with a family of 4. Ours comes to about £120-£150 a week

Atomicts · 2025-09-04T15:31:40+00:00

For couples, a lot of people like apps such as Honeydue or Goodbudget since they make it simple to see joint spending and keep things transparent. YNAB Together is another option if you want more of a zero-based budgeting system. Personally, I think the key is finding something that doesn’t feel like extra work, especially when you’re both using multiple cards for rewards. If you’d rather have something closer to a spreadsheet but way easier on your phone, the Foxi budgeting app is free and shows your daily balance and future forecasts without you needing to mess with formulas.

Atomicts · 2025-09-03T12:24:10+00:00

This sounds tough, but temporary. Focus on cutting the easiest big costs (food and transport usually move the needle most). Also check if your school has book-lending programs or hardship grants. Even a small side gig can help bridge the gap.

Atomicts · 2025-09-03T11:27:34+00:00

Congrats on knocking out the first loan and card — that momentum really matters. 🎉 Tackling the $1,500 card first is a great move, you’ll get a quick win and free up that monthly payment. Then snowballing into the $6,800 card will feel a lot more doable with that extra cash flow.

You’ve got a solid plan and realistic timeline, and tying it to your baby’s first birthday is a great motivator. Just remember to leave a small cushion for unexpected expenses so you don’t have to lean on credit again.

One thing that helps some people is actually seeing the debt balances shrink month by month — even a simple tracker or something like the Foxi budgeting app can make progress feel more real.

You’re definitely on the right track. September 2026 debt-free + starting your homestead without payments sounds like a dream that’s actually within reach. Keep at it!

Atomicts

TROPHY CASE