Our win was two-fold. The first, and obvious, Tiller gave my wife and I the ability to track and organize our spending across our business and personal lives. We are both spreadsheet nerds so tiller was truly a gift to find and use.
The second, and more impactful, is it made us realize how disorganized we were when it came to number of accounts we had across banks, credit cards, investment accounts, etc. So it sent us on a 2 year journey to consolidate accounts and simplify our financial life. Had it not been for Tiller we would have likely kept the status quo.
A big win is deciding on Tiller and actually trying to do something about our finances such as tracking our spending etc. Still haven’t been able to get much out of it since I haven’t spent much time with it but at least I have gotten a start with it and hope to make good use of it !!
In October 2023 my family was in a bind. We were moving out-of-state and we were going to be majorly in the red if we sold our house. Tiller helped give my wife and I peace of mind that our finances were under control, even as we balanced credit card debt and income fluctuations. Tiller helped us make logical decisions while dealing with a roller-coaster of emotions (caring for a toddler and newborn, packing and hauling everything across the country, repairs on the old house, vehicle maintenance, financing a new house at our destination, gaps in financial aid and my w-2 wages). Eight months later and tiller is still helping us maintain a balanced relationship with our finances. As a couple of basket cases who’ve needed lot of mental health counseling over the years, the fact that money hasn’t becoming more of an issue in our marriage in the past year is incredible, and tiller is part of the reason we’ve been successful in managing our money.
I finally finished paying off my car this year! Now I can use Tiller to easily reallocate those funds towards saving for an upcoming trip. It feels great to reach this milestone and plan for something fun!
Win: learned about intro 0% for 15 months on credit cards which allowed us to buy a lot of needed and wanted interior design for our new apartment! Will be able to grow the money in the mean time
My money win: Showing my teenager where his money goes!
Last year my teenager started working at a part time job. I set him up with savings and checking accounts, which I then connected to Tiller. We set up custom categories, and then each month talk about where his money is going. I can’t say I love the split between food, video games, and gas, but I am glad he is learning about earning, savings, spending, and responsibility.
My transition from Mint to Tiller has been a big win in so many ways. There is so much power and flexibility in the Google sheet templates. I have just begun to scratch the surface of all of the different ways I can slice and dice my financial data to stay on top of things Thank you so much.
My big win was how quickly and thoroughly the new Debt Payoff Planner visual graph convinced my husband to agree to snowballing our vehicle and home debt. It’s something we’ve talked about but I was always unable to influence his desire to open up cash flow for other purchases through conversation alone. Showing him that we could be completely debt free 18 years earlier than our loans currently are scheduled was a true gamechanger! We just paid off our first vehicle (2-1/2 years early) and will start snowballing the second vehicle next month. It doesn’t feel that difficult because we are already used to our current level of monthly debt payments. I’m still in awe that a simple bar graph is really changing our future!
A recent big win for me was completing the consolidation of all my investment accounts to one institution. I have been on a path toward financial simplification for a while. Moving my investment accounts (IRAs, Roth IRAs, taxable brokerage, HSA) from about half a dozen institutions some years ago to one has reduced my cognitive load in tracking and understanding what’s going on. It’s going to be even better next year at tax time with fewer forms.
My big win this year was perspective. I took on some additional debt this year taking care of a relative. Having the ability to map out the entire year of expenses, create a plan, and adjust along the way, gives me the confidence that I am staying on track, even though the debt is growing. Does not sound like a win, but this has given me the power of long term perspective and as long as I am staying on track of my current expenses, planning for additional surprises, I will be able to come out on top in the long run.
My quick money win: After buying a home and starting a family all in the last 6 months, Tiller has made it easy to visualize and gain confidence in our spending and savings!
Mine is a win and a tip. Log your assets by category, at the end of every quarter. Do it in a flexible format with categories general enough to work over time. Example: Total Net Worth, Total Investable Assets (with sub-columns for +401K, +brokerage and +bank accounts, net of credit card -outstandings), +Property Value, -Mortgage, etc.). Seeing the full long-view helps you realize the benefit of being diversified and you see how much steady investing builds over time.
My Big Win. We bought an RV when I wasn’t quite ready to make that commitment to the payments. We would not get our money back by selling it. So, we looked into renting it, and it took off and we got 7 reservations right away.
My big win: I finally got clarity of my finances. With the power of spreadsheets, I was able to dig deep into my numbers and see which area needs improvement etc. Now I’m at a point where my goals are being met with my credit card balances low and my bank account balances high
