# Money & Budgeting **URL:** https://community.emma-app.com/c/personal-finance/budgeting/19.md [Latest](https://community.emma-app.com/latest.md) · [Categories](https://community.emma-app.com/categories.md) --- ## [Money Saving Tips 🤑](https://community.emma-app.com/t/money-saving-tips/7098)
**Author:** [@Jago](https://community.emma-app.com/u/Jago)\ **Replies:** 4\ **Last updated:** [September 20, 2024, 2:59pm UTC](https://community.emma-app.com/t/money-saving-tips/7098 "2024-09-20T14:59:50Z")
Hey everyone! Wanted to make a post where we all share our favourite money saving tips and tricks to help each other out. Doesn’t have to be strictly linked to the Emma App, just anything that has helped you save money… --- ## [About the Money & Budgeting category](https://community.emma-app.com/t/about-the-money-budgeting-category/3479)
**Author:** [@rebekah](https://community.emma-app.com/u/rebekah)\ **Replies:** 0
General discussions about budgeting and money management :moneybag::moneybag: --- ## [Highlight overspend categories](https://community.emma-app.com/t/highlight-overspend-categories/7467)
**Author:** [@alliep](https://community.emma-app.com/u/alliep)\ **Replies:** 1\ **Last updated:** [May 22, 2025, 7:40am UTC](https://community.emma-app.com/t/highlight-overspend-categories/7467 "2025-05-22T07:40:12Z")
On the budgeting page, when a category goes over budget the bar is 100% full and at a glance it doesn’t standout compared with on-track completed budget items. Could there be some indication for categories that have gone… --- ## [Cooking vs Eating Out](https://community.emma-app.com/t/cooking-vs-eating-out/7130)
**Author:** [@Jago](https://community.emma-app.com/u/Jago)\ **Replies:** 0\ **Last updated:** [October 11, 2024, 11:33am UTC](https://community.emma-app.com/t/cooking-vs-eating-out/7130 "2024-10-11T11:33:50Z")
Hey everyone, I just found out from the Emma app that I am in the top 0.2% of users spending on Deliveroo. This has made me realise I am maybe not cooking enough and wasting money on eating out. Should I feel guilty f… --- ## [Christmas Budgeting](https://community.emma-app.com/t/christmas-budgeting/7119)
**Author:** [@Jago](https://community.emma-app.com/u/Jago)\ **Replies:** 0\ **Last updated:** [October 3, 2024, 8:05am UTC](https://community.emma-app.com/t/christmas-budgeting/7119 "2024-10-03T08:05:20Z")
Hey everyone! I know it’s only October but I wanted to ask you all when you start saving up for Christmas. Most years I’ve always left gift buying to the last minute so this year I fancy setting some money aside early … --- ## [Spend against Budget for earlier months](https://community.emma-app.com/t/spend-against-budget-for-earlier-months/6820)
**Author:** [@Cobbyco](https://community.emma-app.com/u/Cobbyco)\ **Replies:** 9\ **Last updated:** [March 16, 2024, 1:03pm UTC](https://community.emma-app.com/t/spend-against-budget-for-earlier-months/6820 "2024-03-16T13:03:18Z")
Hi, is it possible to view my spend against budget for a previous month? I can see my total spend for each category or each merchant but not each category against the budget set for that month. Thx --- ## [Where do you spend most of your money? 💰](https://community.emma-app.com/t/where-do-you-spend-most-of-your-money/4231)
**Author:** [@rebekah](https://community.emma-app.com/u/rebekah)\ **Replies:** 26\ **Last updated:** [December 17, 2021, 11:30pm UTC](https://community.emma-app.com/t/where-do-you-spend-most-of-your-money/4231 "2021-12-17T23:30:25Z")
Excluding things like bills, what/ where do you spend most of your money? My top merchants from the last few months are pretty much always Aldi and ASOS :v: What about you? --- ## [Saving Money Advice](https://community.emma-app.com/t/saving-money-advice/4495)
**Author:** [@rebekah](https://community.emma-app.com/u/rebekah)\ **Replies:** 6\ **Last updated:** [November 21, 2021, 1:38pm UTC](https://community.emma-app.com/t/saving-money-advice/4495 "2021-11-21T13:38:31Z")
What advice would you give to Alexandra to help her stop dipping into her savings…? --- ## [Contactless Limit Increases To £100 💳](https://community.emma-app.com/t/contactless-limit-increases-to-100/4602)
**Author:** [@rebekah](https://community.emma-app.com/u/rebekah)\ **Replies:** 5\ **Last updated:** [September 6, 2021, 9:54am UTC](https://community.emma-app.com/t/contactless-limit-increases-to-100/4602 "2021-09-06T09:54:49Z")
The contactless limit increased from £35 to £45 in April and is now set to increase to £100 in October… As someone who carries multiple cards around with me (3 cards most of the time), I’m not sure how I feel about the … --- ## [Does your employer provide financial wellbeing support?](https://community.emma-app.com/t/does-your-employer-provide-financial-wellbeing-support/4507)
**Author:** [@rebekah](https://community.emma-app.com/u/rebekah)\ **Replies:** 1\ **Last updated:** [August 4, 2021, 4:33pm UTC](https://community.emma-app.com/t/does-your-employer-provide-financial-wellbeing-support/4507 "2021-08-04T16:33:50Z")
Last week it was in the news that KFC restaurant employees will have the opportunity to enroll in a financial wellbeing course that’ll help them build short-term savings and create lasting savings behaviors. I thought t… --- ## [Do you need to be good at maths to be good with money?](https://community.emma-app.com/t/do-you-need-to-be-good-at-maths-to-be-good-with-money/4218)
**Author:** [@rebekah](https://community.emma-app.com/u/rebekah)\ **Replies:** 19\ **Last updated:** [July 29, 2021, 11:05pm UTC](https://community.emma-app.com/t/do-you-need-to-be-good-at-maths-to-be-good-with-money/4218 "2021-07-29T23:05:32Z")
I was recently speaking to a friend about money and she said that she’d never be good with her money because she’s awful at maths… This really stood out to me, because although they are both numbers-based, I’ve never re… --- ## [Teaching children about money 💰](https://community.emma-app.com/t/teaching-children-about-money/4445)
**Author:** [@rebekah](https://community.emma-app.com/u/rebekah)\ **Replies:** 0\ **Last updated:** [July 21, 2021, 11:29am UTC](https://community.emma-app.com/t/teaching-children-about-money/4445 "2021-07-21T11:29:56Z")
A 2020 survey by consultants, Censuswide, of 1,001 parents with children aged between five and 20, found that more than half of UK children aged six to 10 said they didn’t understand money. Children start forming their … --- ## [Budgeting Categories](https://community.emma-app.com/t/budgeting-categories/4236)
**Author:** [@rebekah](https://community.emma-app.com/u/rebekah)\ **Replies:** 13\ **Last updated:** [June 21, 2021, 12:19pm UTC](https://community.emma-app.com/t/budgeting-categories/4236 "2021-06-21T12:19:37Z")
We’ve been doing some digging into how people budget on Emma and we’ve found that these are our most used budgeting categories: :bookmark\_tabs: Bills :shopping: Shopping :house\_with\_garden: Housing :tomato: Groceries … --- ## [From 25K debt to starting to invest - here's Colin's financial journey](https://community.emma-app.com/t/from-25k-debt-to-starting-to-invest-heres-colins-financial-journey/4226)
**Author:** [@rebekah](https://community.emma-app.com/u/rebekah)\ **Replies:** 0\ **Last updated:** [June 4, 2021, 11:26am UTC](https://community.emma-app.com/t/from-25k-debt-to-starting-to-invest-heres-colins-financial-journey/4226 "2021-06-04T11:26:27Z")
We asked for your saver stories a couple of weeks ago, and have loved reading through all the responses. One thing that has really stood out to us is that while everyone’s goal is to “be better with money”, there are hu… --- ## [Saving up for a holiday 🌏✈️](https://community.emma-app.com/t/saving-up-for-a-holiday/4177)
**Author:** [@rebekah](https://community.emma-app.com/u/rebekah)\ **Replies:** 5\ **Last updated:** [May 28, 2021, 12:56pm UTC](https://community.emma-app.com/t/saving-up-for-a-holiday/4177 "2021-05-28T12:56:54Z")
A couple of weeks ago we put out a call for your best saver stories. Last week we heard from Fraser, who had been using Emma to save up for a house deposit and this week we hear from Dora. She got in touch to tell us h… --- ## [Unusual Money Saving Tips](https://community.emma-app.com/t/unusual-money-saving-tips/2981)
**Author:** [@rebekah](https://community.emma-app.com/u/rebekah)\ **Replies:** 21\ **Last updated:** [May 26, 2021, 2:00pm UTC](https://community.emma-app.com/t/unusual-money-saving-tips/2981 "2021-05-26T14:00:57Z")
Hey folks, Do you have any money saving / money making tips that other people might not have heard of before? :eyes: Perhaps you know a really cool way to buy discounted goods, or you’ve had success with using apps to … --- ## [Lockdown Money-Saving Habits](https://community.emma-app.com/t/lockdown-money-saving-habits/3244)
**Author:** [@rebekah](https://community.emma-app.com/u/rebekah)\ **Replies:** 10\ **Last updated:** [May 20, 2021, 4:30pm UTC](https://community.emma-app.com/t/lockdown-money-saving-habits/3244 "2021-05-20T16:30:00Z")
We know lockdown hasn’t been great financially for everyone, but a surprising amount of people are managing to save money for the very first time… We’ve just published a new article on the Emma blog which looks at seven… --- ## [Net Worth Calculation](https://community.emma-app.com/t/net-worth-calculation/2479)
**Author:** [@rebekah](https://community.emma-app.com/u/rebekah)\ **Replies:** 26\ **Last updated:** [May 20, 2021, 9:38am UTC](https://community.emma-app.com/t/net-worth-calculation/2479 "2021-05-20T09:38:23Z")
Hi everyone & happy Tuesday! On the blog today is a quick look into net worth, specifically how you calculate your own. https://emma-app.com/blog/2020/07/14/calculate-net-worth/ I know a few people here have already m… --- ## [All the costs of owning a car](https://community.emma-app.com/t/all-the-costs-of-owning-a-car/3947)
**Author:** [@rebekah](https://community.emma-app.com/u/rebekah)\ **Replies:** 1\ **Last updated:** [April 13, 2021, 12:00pm UTC](https://community.emma-app.com/t/all-the-costs-of-owning-a-car/3947 "2021-04-13T12:00:12Z")
Afternoon everyone! How’s everyone feeling about lockdown easing in England? Are you looking forward to gyms/ pubs/ hairdressers opening again? On another note, last week we published an article to the Emma blog about … --- ## [Undergraduate study - Investigation into Fintech and Brand Engagement](https://community.emma-app.com/t/undergraduate-study-investigation-into-fintech-and-brand-engagement/3780)
**Author:** [@merily](https://community.emma-app.com/u/merily)\ **Replies:** 0\ **Last updated:** [March 19, 2021, 11:52am UTC](https://community.emma-app.com/t/undergraduate-study-investigation-into-fintech-and-brand-engagement/3780 "2021-03-19T11:52:35Z")
Hi Emma Community :wave: My name is Merily and I’m currently writing my undergraduate dissertation in Marketing. I am investigating how financial technology (Fintech) characteristics impact Brand Engagement with brands s… --- ## [Personal Inflation Rate](https://community.emma-app.com/t/personal-inflation-rate/3735)
**Author:** [@rebekah](https://community.emma-app.com/u/rebekah)\ **Replies:** 2\ **Last updated:** [March 11, 2021, 10:52am UTC](https://community.emma-app.com/t/personal-inflation-rate/3735 "2021-03-11T10:52:38Z")
Morning! We’ve written a new piece for the Emma blog about calculating your Personal Inflation Rate. i.e how much you’ve spent in one year / how much you’ve spent in a previous year I think understanding your personal… --- ## [Have You Been Furloughed?](https://community.emma-app.com/t/have-you-been-furloughed/3508)
**Author:** [@rebekah](https://community.emma-app.com/u/rebekah)\ **Replies:** 3\ **Last updated:** [March 9, 2021, 9:41am UTC](https://community.emma-app.com/t/have-you-been-furloughed/3508 "2021-03-09T09:41:16Z")
Last week an Emma user kindly messaged us to say that we’d been helping her manage her money during furlough. We chatted to her a little more about her experience on furlough, which you can read here. Has anyone here b… --- ## [Best type of ISA?](https://community.emma-app.com/t/best-type-of-isa/3720)
**Author:** [@rebekah](https://community.emma-app.com/u/rebekah)\ **Replies:** 0\ **Last updated:** [March 5, 2021, 11:00am UTC](https://community.emma-app.com/t/best-type-of-isa/3720 "2021-03-05T11:00:50Z")
Happy Friday everyone! We’ve got a new post on the Emma blog that looks at the different types of ISAs: Cash ISA Investment ISA Lifetime ISA Junior ISA You can read the blog here :point\_right: https://bit.ly/2Pte7kJ … --- ## [How to double your money](https://community.emma-app.com/t/how-to-double-your-money/3690)
**Author:** [@rebekah](https://community.emma-app.com/u/rebekah)\ **Replies:** 2\ **Last updated:** [February 26, 2021, 9:54am UTC](https://community.emma-app.com/t/how-to-double-your-money/3690 "2021-02-26T09:54:39Z")
Has anyone heard of the Rule of 72 before? We’ve written a new post about it that explains how this financial calculation can help you estimate how long it’ll take to double your money! Read the article here and let us… --- ## [What are your favourite money apps?](https://community.emma-app.com/t/what-are-your-favourite-money-apps/3583)
**Author:** [@rebekah](https://community.emma-app.com/u/rebekah)\ **Replies:** 15\ **Last updated:** [February 10, 2021, 1:58pm UTC](https://community.emma-app.com/t/what-are-your-favourite-money-apps/3583 "2021-02-10T13:58:52Z")
Hey everyone! We’ve written a new blog post about our favourite money apps (Emma being one of them :laughing:) We’ve picked our favourite money app for: Investing Cashback Budgeting Pensions Making Extra Money & Sell… --- ## [Important Financial Numbers](https://community.emma-app.com/t/important-financial-numbers/3541)
**Author:** [@rebekah](https://community.emma-app.com/u/rebekah)\ **Replies:** 8\ **Last updated:** [February 1, 2021, 12:11pm UTC](https://community.emma-app.com/t/important-financial-numbers/3541 "2021-02-01T12:11:35Z")
We’ve been thinking about the big personal finance numbers that everyone should know and the numbers that people might want to track. Like… After tax-income Monthly expenses Total debt (combined and for individual loan… --- ## [New Year Resolutions ⚡️](https://community.emma-app.com/t/new-year-resolutions/3456)
**Author:** [@rebekah](https://community.emma-app.com/u/rebekah)\ **Replies:** 14\ **Last updated:** [January 21, 2021, 4:59pm UTC](https://community.emma-app.com/t/new-year-resolutions/3456 "2021-01-21T16:59:18Z")
Has anyone set any NY Resolutions this year? Either financial or just general resolutions! I have two this year: Add a third of my income into savings each month Read one book a month --- ## [Living within your means](https://community.emma-app.com/t/living-within-your-means/3489)
**Author:** [@rebekah](https://community.emma-app.com/u/rebekah)\ **Replies:** 2\ **Last updated:** [January 21, 2021, 3:57pm UTC](https://community.emma-app.com/t/living-within-your-means/3489 "2021-01-21T15:57:17Z")
We’ve just published a new article on the Emma blog that looks at 7 money habits that’ll help you improve your finances. One of the things we mentioned is the idea of living within your means… I’ve been thinking about … --- ## [How To Start Saving Money](https://community.emma-app.com/t/how-to-start-saving-money/3492)
**Author:** [@rebekah](https://community.emma-app.com/u/rebekah)\ **Replies:** 2\ **Last updated:** [January 15, 2021, 5:34pm UTC](https://community.emma-app.com/t/how-to-start-saving-money/3492 "2021-01-15T17:34:30Z")
Hey everyone :wave: What advice would you give to someone that was trying to save money for the very first time? We’ve written a few suggestions here, but keen to hear what tips everyone else has! --- ## [Easy ways to save money](https://community.emma-app.com/t/easy-ways-to-save-money/2439)
**Author:** [@rebekah](https://community.emma-app.com/u/rebekah)\ **Replies:** 0\ **Last updated:** [July 7, 2020, 10:54am UTC](https://community.emma-app.com/t/easy-ways-to-save-money/2439 "2020-07-07T10:54:55Z")
Hi everyone! We’ve written a blog post listing 10 easy ways you can save money :moneybag: :dollar: :yen: :money\_with\_wings: https://emma-app.com/blog/2020/07/06/ten-easy-ways-to-save-money/ We’ve talked about: Usin… [Next page](https://community.emma-app.com/c/personal-finance/budgeting/19.md?page=1)