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Tracking/Spreadsheet figured out

October 17th, 2013 at 09:11 am

Well...long story short....I ended up just adding an "actual" column to my budget spreadsheet. And in my checkbook register, which I write in at least once a day, I will just be more detailed. Then at the end of the month, I can just add my actual in and see how I did. I was just trying to make it too difficult. Oh, and cash I will continue to do in the "jars" but will have a sheet in each jar. Put the receipt in the jar so I know what I spent. That really is how I was supposed to be doing it this whole time (Gail Vaz Oxlade way).

I feel very aware right now. And still overwhelmed by what I was doing. So November 1 will start the new way of tracking.

What I am reallly thinking about is....what do people that don't think about their expenses do? I worry about my finances and work to try to keep them somewhat on track. So how do they get through? How do they not worry?

3 Responses to “Tracking/Spreadsheet figured out”

  1. creditcardfree Says:

    Those 'other' people are in denial, or don't really know that they can do something to change the situation, IMO. Glad you figured out a way for you. Can you start tracking before, Nov 1?

  2. MonkeyMama Says:

    The other people are bankrupt and homeless. I mean, I guess it depends how extreme, but have been commenting about how so few in our region can even hang onto their homes. They may not be exactly out on the streets, but are relying on the generosity of family members to provide shelter and so on. (I saw a lot of lavish spending on credit during the credit bubble - it catches up eventually).

    I am glad you figured it out!

  3. snafu Says:

    DB who I love dearly, just puts his head in the sand like an Ostrich and refuses to acknowledge his financial mess. I finally convinced him to put utilities on automatic withdraw so that those bills were paid without penalty, late fees and re-connect charges. He has adequate income but makes no effort to manage either money or time.

    I think you're doing fine with a high level of awareness and hope your spreadsheet nails the details. I wonder if you would find it easier to give yourself an allowance each pay. That sum could be spent anyway you like BUT when it gone, spending stops in that category until next pay. You could base it on the sum you spent on yourself last pay period.

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