Monday Productivity Pointers
Illustration by Neil Webb

Setting budgets and goals


Monday Productivity Pointers

with Jess Stratton

Video: Setting budgets and goals

Hi, I'm Jess Stratton and welcome to Monday Productivity Pointers. This week we're talking about Now I already showed you how can read in all your financial accounts and spit it back out to you in a easy to read way. But it can also make behavior changes based on your actions online. For example, it can help you set budgets and goals to save up for things like paying off a credit card or taking a trip. It can also alert you when things change.
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  1. 10h 57m
    1. Welcome to the series
      1m 13s
    2. Running a group meeting with coworkers
      7m 19s
    3. Recording and marketing chat on air
      8m 30s
    4. Creating a quick presentation
      5m 37s
    5. Presenting from an iPad or computer
      3m 36s
    6. Migrating your accounts to
      9m 55s
    7. Setting budgets and goals
      7m 4s
    8. Collaborating on team documents
      5m 53s
    9. Creating an online photo gallery
      4m 58s
    10. Kickstarter: Setting up your project
      10m 41s
    11. Driving traffic to your project
      5m 48s
    12. Conducting a voice call with a virtual team
      6m 40s
    13. Adding video and chat notifications
      4m 7s
    14. Accepting a payment with Square
      4m 35s
    15. Using the Square Wallet
      2m 32s
    16. Setting up shop on Etsy
      6m 31s
    17. Tracking your Etsy sales with Shop Stats
      4m 9s
    18. Raising your Klout score
      7m 3s
    19. Earning Klout perks
      4m 55s
    20. Skydrive: Collaborating on team documents
      4m 56s
    21. Skydrive: Accessing files on the go
      2m 57s
    22. Setting up Google alerts to track your data
      5m 5s
    23. Removing a page from the Google search index
      4m 42s
    24. Browsing privately in public
      4m 38s
    25. Cleaning up your session before logging out
      5m 8s
    26. Troubleshooting a remote computer with TeamViewer
      3m 42s
    27. Taking screenshots from a PC
      4m 12s
    28. Taking screenshots from a Mac
      3m 36s
    29. Setting up Find My iPhone
      3m 36s
    30. Using iCloud to find an iPhone
      3m 49s
    31. Sampling color from the screen
      5m 27s
    32. Using for inspiration
      3m 22s
    33. Get an audio clip onto YouTube using iPhoto
      5m 49s
    34. Creating playlists and customizing your YouTube channel
      5m 41s
    35. Record your screen using QuickTime
      3m 14s
    36. Record your screen using CamStudio
      2m 34s
    37. Using Tempo Smart Calendar when you are going to be late
      3m 9s
    38. Using Twist to let your customers know where you are
      3m 38s
    39. Using Wunderlist to track multiple projects
      9m 0s
    40. Use the Wunderlist browser extension to create tasks on the web
      5m 46s
    41. Using Smart Mailboxes with Mac Mail
      6m 52s
    42. Customizing the Mac Mail View
      7m 13s
    43. What's a firewall?
      7m 36s
    44. What is the Cloud?
      4m 42s
    45. Creating your own recipe with IFTTT
      7m 19s
    46. Browsing existing recipes with IFTTT
      5m 7s
    47. Installing the Feedly browser extension
      6m 34s
    48. Customizing Feedly
      6m 53s
    49. Understanding the basics of Twitter
      9m 9s
    50. Using Tweetdeck to handle multiple accounts
      9m 14s
    51. Working with URL Shorteners
      5m 45s
    52. Using
      8m 31s
    53. Creating Quick Parts to re-use text
      6m 19s
    54. Moving your Autotext to a new computer
      6m 7s
    55. Shutting off access to social networks
      6m 18s
    56. Hiding taskbars
      2m 36s
    57. Exploring the iOS 7 Update
      10m 7s
    58. Running a productive online meeting
      3m 44s
    59. Getting meeting minutes faster
      6m 47s
    60. TextExpander for Mac
      7m 6s
    61. Breevy for Windows
      3m 44s
    62. Using Smart Folders on a Mac
      5m 52s
    63. Using Windows Libraries
      4m 25s
    64. Finding large attachments in your email apps
      5m 13s
    65. Use Ninite to install all your PC apps at once
      3m 30s
    66. Use Get Mac Apps to install your Mac apps at once
      2m 56s
    67. Creating a disposable email address with Guerrilla mail
      4m 7s
    68. Creating an email address that lasts only 10 minutes
      3m 16s
    69. Finding and adding local vendors to enhance your iOS reminders
      3m 45s
    70. Adding geofencing to Find My Friends
      3m 20s
    71. Turning a Word document contract into a PDF
      4m 1s
    72. Turning a PowerPoint presentation into a PDF
      4m 10s
    73. Resetting browser site passwords
      7m 11s
    74. Disabling toolbars, resizing screens, and accidentally closed tabs
      7m 42s
    75. Identifying your wifi's weakest link
      7m 59s
    76. Setting up dual band speed on your router
      7m 36s
    77. Add your social media activity to your website
      8m 54s
    78. Using WordPress mobile to update on the go
      4m 48s
    79. Matching the header row on your spreadsheet files
      8m 20s
    80. Using a formula to merge first and last name columns
      5m 58s
    81. Using JoliDrive to browse cloud app data
      5m 11s
    82. Using JoliDrive on an iPad
      4m 31s
    83. Finding deals on eBay using misspelled listings
      4m 18s
    84. Searching for promotional and coupon codes online
      5m 52s
    85. Sending real postcards from your computer with Postagram
      4m 25s
    86. Using Postagram to send a real postcard from your smartphone
      3m 55s
    87. Getting to Inbox Zero
      11m 4s
    88. Using existing GMail labels with Mailbox
      3m 19s
    89. Adding 2-step authentication
      3m 39s
    90. Enabling in-app PIN codes
      3m 31s
    91. Accessing your digital movies
      5m 20s
    92. Copying movies onto a device
      3m 25s
    93. Using Genius Scan to scan your documents
      3m 34s
    94. Sending your scans
      2m 41s
    95. Using Acrobat to ink sign a PDF
      4m 49s
    96. Writing a letter of recommendation
      7m 49s
    97. Constructing a successful press release
      4m 48s
    98. Troubleshooting wireless security
      4m 48s
    99. Writing a claim letter
      5m 22s
    100. The best reasons to try online chat customer service
      5m 9s
    101. How to do a firmware update
      6m 34s
    102. Siri, your iPhone assistant
      4m 48s
    103. Writing an email that gets read
      4m 51s
    104. Writing an email that requires action
      2m 54s
    105. Your Blu-ray questions answered
      3m 50s
    106. Using LittleBit to photograph your goal progress
      3m 9s
    107. Exporting WordPress blog entries
      3m 28s
    108. Understanding how Office 365 works
      5m 9s
    109. Using Waze for crowdsourced GPS
      2m 58s
    110. Downloading your Facebook timeline
      3m 10s
    111. Scheduling email with Boomerang
      4m 24s
    112. Google Labs for Calendar
      2m 58s
    113. Finding missing songs in iTunes on your iPhone
      2m 10s
    114. Requesting your Twitter archive
      2m 59s
    115. Using Doodle for easy group scheduling
      4m 59s
    116. Easily remote to another computer with
      3m 47s
    117. Keyboard shortcuts for YouTube
      2m 58s
    118. Easily annotate images with Skitch
      6m 4s
    119. Blurring photos for posting on social networks
      6m 41s
    120. Get your Google Calendar schedule by email every morning
      3m 3s
    121. Migrating to Google Apps
      9m 31s
    122. Using supplemental To Do apps
      3m 43s
    123. Getting alerts for Amazon price drops
      2m 36s
    124. Four tips to teach kids about websites
      8m 19s
    125. Caring for family members from afar
      4m 39s
    126. Using Google Sheets to make templates
      4m 35s

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Watch the Online Video Course Monday Productivity Pointers
10h 57m Appropriate for all Mar 25, 2013 Updated Oct 20, 2014

Viewers: in countries Watching now:

In this series on productivity, author Jess Stratton takes you through the latest tools that will help you run your business and life more efficiently. Each installment covers a particular feature or technique in a different online tool, such as Google Apps, Skype, YouTube,, Etsy, and more. Learn about topics ranging from recording and publishing video chats to managing your finances online.

Note: Monday Productivity Pointers is currently on a break, but stay tuned for new tutorials!

Business Education + Elearning
Jess Stratton

Setting budgets and goals

Hi, I'm Jess Stratton and welcome to Monday Productivity Pointers. This week we're talking about Now I already showed you how can read in all your financial accounts and spit it back out to you in a easy to read way. But it can also make behavior changes based on your actions online. For example, it can help you set budgets and goals to save up for things like paying off a credit card or taking a trip. It can also alert you when things change.

For example, if you've made a really big purchase or drop below a certain amount of money. Mint because it has access to your line item and transaction statements. It can easily categorize things and show you what your spending habits are. Now these results can be startling, especially if you've never analyzed your accounts this way. For example, you may not have any idea how much you are actually spending at coffee shops until Mint showed you how often you hit the coffee shop. You can set a budget to keep on track and watch what you spend there.

Check back often and see how you're doing with that budget. Today we're going to set a budget and a goal using Mint, so let's get started. I'm logged into right now using their dummy data account and I'm on the home page. In fact, you can see some alerts right here on this homepage. For example, it's telling me that I spent a little more on shopping than I usually spend, and on sporting goods. So let's go set some budgets. I'm going to click Budgets from the top. And Mint already has some canned budgets in there. Things like gas and fuel, student loans, entertainments.

Here's a coffee shop budget. And it's going to compare that with my income. Over here on the left, I can see how much income it's pulled in. Now it's the beginning of the month. I haven't gotten a paycheck yet in this sample data account, so the income so far is zero. That's also why how much I've spent on all these things is pretty low. But I'm not so much interested in how much I've spent so far versus what the budget limit really is. If I want to save for a goal, I'm going to cut out any unnecessary spending, so I'm going to take a look at this entertainment budget right here.

Now gave us a canned budget of $125 a month. It's important to note that it pulls these entertainment categories from those transaction line item categories. Entertainment is an umbrella category for things like movies and DVDs and going to the movies. I'll show you that in a minute. The first thing I want to do is lower this budget. I'm going to try to stop any unnecessary spending. So I can come down here where it says it's $125 that it's already gotten budgeted.

I'm going to click the Left Arrow and move that down to 25. So if I can make good on this budget, I'll save $100 a month that I can put towards a goal. Now anything that I spend that goes in this entertainment category, the green slider is automatically going to adjust according to this budget. So very quickly, I can log in and visually see how I'm doing. I can change this at any time. I can click Edit Details and adjust the budget.

Or, I can even adjust it so it happens every few months, not just one month. I can even set my own budgets. I'm going to come up here and choose Create a Budget. Here's where I choose a category. Now this list should look familiar to you because it's the same list that you'll see in the transaction statements. I'm going to try to spend less on parking. Then this may mean that I have to walk farther away to get some free parking lots, but that's okay. I'm trying to save money. So I'm going to set a parking budget, every month for $25.

So now I can start tracking, how close I'm hitting that parking budget. I'll be able to find out how much I'm spending on parking every month, very quickly. I hit Save, and my budget is set. Now let's just do a quick refresher of where it's actually getting that data from. I'm going to come up here to the Transaction tab. Here's all the line items for all my cash and credit accounts. As you'll see, here's the categories. If I come down here to my movies and DVDs, I select the category. And I can see that it's in the Entertainment category.

So, what I have spent for movies and DVDs is automatically going to get deducted from my entertainment budget. Just as anything in this category is. So that's how budgets work. Now we've managed to save a little bit of money every month, as long as I follow through with it. So now, let's set a goal. Up here on the Goals tab, I can choose any of these pre-built goals that's going to help me achieve. In this case, I want to pay off a loan. So I'm going to select Pay Off Loans. Now knows what my loans are because these are accounts that I've already added to Mint.

If I haven't added an account, it's not going to show up here. I'm going to un-check my car loan because I'm only interested in paying off this student loan. So already knows what the balance is, but it's up to me to put in the APR and the monthly payment that I make on this. Let's say I pay $125 towards this loan every month. I can give it a name for my reference. And then, click Next. Here's where it's asking me how much extra I can pay per month on this loan. Now I already know I adjusted my budget to allow for another $100. I'm going to try to get some more in there.

If I set it to $300 per month, it's going to tell me how much I'm going to save in interest and when my debt is going to be paid off by. It even tells me how to do it. Make my existing payments and pay an extra $175 towards it. I can select Save Goal, hit Close. And now, any time I want to see how I'm doing with this goal, I can come up here to the Goals tab and watch the green bar go up as I'm getting closer to paying off this loan. I can click View Details.

And delete the goal at any time or if I pay it off early, I can Mark as Complete. So that's how easy it is to set budgets and goals with

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