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Comment on Ask HN: How do you manage your finances?

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I used to use a lot of budgeting tools like Microsoft Money. At the end of the day I realized that they were all a waste of time. No amount of new bank accounts helps you make more money.

Everybody has the same common goal of making more money. The only way to do this is to earn more and/or spend less.

No amount of time spent budgeting, forecasting or plotting graphs helped me earn more money. Maybe it would help you keep an eye on your spending. If you are good at that, then there is no need. Spend your time setting up a startup instead.

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