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Posts tagged with: financial forecasting

OnTrajectory Financial Forecasting


Has anyone heard about the product OnTrajectory before?

It was recently introduced to me as a way to plan and make financial projections way further out than what I’m used to doing (which is to say…basically a month or two at a time).

But not only that – the software allows you to see how simple little lifestyle changes can amount to HUGE financial gains across time. Like that specialty coffee you may get a couple times a week? Let’s say it costs $5 three times a week for a total of $15/week. Across the course of one’s lifetime ($15 x 3536 weeks) = over $50 GRAND spent just on coffee! Multiply that by an assumed 3% inflation rate and you’re wasting over $100,000 on coffee!


This intrigued me. What might the program say when I plug in all my financials?

I gave it a try through their 14-day free trial program and was pretty surprised when – right off the bat – it warned me of a potential shortfall when I get into my 80’s.

But they don’t just leave it at “oh, you’re screwed!” – there are realistic suggestions on how one might save more or reduce expenses to make sure you aren’t outliving the money you’ve saved.

This is of huge importance to me given everything I’ve seen and been through with my father’s dementia. So far, we’ve been able to support him on money he had earned in his lifetime. But his memory care facility costs $7,000/month. Yes. SEVEN THOUSAND A MONTH just for rent. It’s incredible the cost of high-quality memory care. And that’s a pretty competitive price for his area (Austin, TX). There are cheaper facilities, but if you’re looking for high quality care….that’s about the typical going rate.

I’ve always said – I don’t care if I have no inheritance, just as long as my parents are able to pay for their own end-of-life expenses, I’ll be happy.

I need to make sure I’m doing the same for my kids, too. And with On Trajectory…..well, I can see some changes need to be made. 😉

Thankfully, I’m young. I still have a lot of financial “what if’s” hanging out in the universe in relation to my marital separation. But once that chapter is closed and I move onto whatever lies ahead, it will be much easier to have a clear-cut picture of what monies I can save and invest, where I can potentially cut expenses, etc. Getting fully out of debt is a BIG part of that picture!

I will say, OnTrajectory seemed to have a steeper learning curve associated with it than some of the other financial products I’ve used (e.g., YNAB and Every Dollar), but they do send out helpful email tips and there’s a whole guided walk-through of the program that you can try out to make sure you understand how it works, etc. There is a huge difference between YNAB, Every Dollar, and OnTrajectory though. The latter two are focused on short-term planning while OnTrajectory is projecting your long-term finances, making the additional technological learning well worth it.

I’m curious if anyone else has heard about and/or used OnTrajectory? If so, let me know! I’m curious to hear about your experiences and whether it’s helped shape some of your own financial goals!



I have now created a budget that goes through the end of September. If nothing changes as far as my income, and I do get at least close to the predicted amount from unemployment, I will be able to cover all my regular bills without touching any more of my savings.

There is NO wiggle room in it. No allowance, no fun, no extra money. There’s also no clothing money, no lunch money (for when school starts) and nothing if something happens to my car. (There’s a clicking noise now that I’ve been told is innocuous but annoying at this point.)

What Does that Mean

This means, that I can not take a moment of down time. I can not doubt my path. I can not spend more time defending this plan. I must commit to something. I must commit to building.

In addition to my time management, I am dedicating some of my time to self improvement. Books on CD for the car, podcasts when I can and of course, reading.

I recently discovered Jay Shetty when this video was shared on Facebook. I’ve never been much for caring what “so and so” does. But this video made sense to me in light of my time is currency thoughts.

Going My Way

I continue to pick up more work. I am getting a chance to do new work. I am writing a lot.

I am gaining my confidence back, learning to say no. Working on charging what I’m worth, not what I feel is safe. (I have a long way to go in this aspect.)

I am learning to use new language. I am learning to explain things differently to my children.

Instead of saying “we don’t have the money for that,” I am learning to say “there are better ways to use the money we have.”

I am making wiser decisions on using my time in my day to day life.

And I’m learning to be confrontational and stand up for myself bit.

I am Listening

I really appreciate the BAD community’s patience with me. I appreciate the continued advice. I appreciate the continue encouragement.

Change is hard. But if anything the last year taught me how important saving is, saving every time you get money.