RedMica is a part of being a grownup (budgeting) a bit less boring with money management tools online
One of the things rotten about being a great person manages your own money. This thought came to me yesterday, when a group of young girls to take pictures of them with a camera digital giant and wear shirts tiny belly, who have probably cost more than my outfit any entry into Starbucks yesterday and slurped down their FrapaWhatevers while I tried to surreptitiously eat giant lawyer sandwich I snuck in for lunch. I, unlike the laughter herd girls barely teenagers, can not food Starbucks. I'm just here for the free wifi.
Budgeting is depressing. Budgeting is difficult. Budgeting sucks and this is why so many of us do not reach it.
But it was yesterday. Today, I sent an email to an invitation to the beta of a new site called RedMica. Their online money management tools make budgeting simple and clear (and they don't require you to do the math).
No math, you say? I'm sold.
We have all gone through the process of writing of exactly how many we will go over every aspect of our lives for the rest of the time. Problem is that the rest of the time generally ends up being the next week and then we slowly fall back into bad habits. This is why it is so difficult to stay the course: it is really you and your will.
RedMica you helps to understand how much you want to spend for each area of your life and then keeps track of how much you are actually spending. This allows to see you when you go and whether or not you really need to reduce your alcohol consumption.
You can organize your expenses by what, where and on what bank account or credit card and it is easily searchable. More pieces of paper floating around your bag, getting covered in any drinks as you reversed last week.
One of the most impressive parts of RedMica is that it is available on your phone. You can check the balance of your spending and bank account while you are in the store, trying to decide if this new shirt is really worth. When the site tells you that this shirt is the equivalent of a week of your budget for lunch, you could simply rethink, indented on the plateau.
If you have already fallen family budgeting and need to get back on the right track, RedMica helps determine your priorities. Can not do your cable bill and your College loan this month? Perhaps the time to give up your favorite TV...
For those of you with a spouse or children, RedMica has a feature that allows you to enable the registration of the objectives with the other members of the family. Say you're really gunning for a new car, but you and your husband can't can to scrape money together. Attach the lens on your account and monitor their progress.
I think this is awesome. Rather than relying on your own will (which, we all know, is not entirely reliable), RedMica allows you to use the oldest motivating factor in the world: peer pressure. If your husband is majorly out-saving you, you will definitely speed up your game.
We all dream of owning a car or a House 'one day,' right? Well, sometimes a day comes earlier than expected and be prepared.
Say you want to buy a house in the near future, but you know basically nothing about the process. With RedMica, you can take a look at a list of control of costs that could not have been considered, compare your cost of living for what you will pay if you have your own place and impacts could changes in your income or the rise in prices on the payments from your account.
They also set out the types of loans, you'll want to study and give you a list of things you can do before you buy a House. It is a bit like having big brother, but the site has much more time and patience to deal with your questions.
So, Yes, having to manage your own money is a sucky being a grownup, but RedMica is about to make it even easier. Maybe I'll recommend he gang girl belly shirt the next time, they come in. They might think I'm crazy, but I'll have the last word, knowing that one day they will be adults too.
RedMica
Emma is a proud native of Burlington (Vermont), with a history of working in childcare, home improvement and social work. Three years of work with the teenagers in the South Bronx led her back to her former love of writing. Nowadays it is usually found in his "Office", a top green roof terrace with his "colleague", Joe Strummer the former street dog.
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