Budget
Marsha
put down all your monthly expenses and income? I've never had one. I
just do the numbers in my head, which is probably not a good idea in
retrospect.
Marsha/Ohio
val189
Quicken gives me the complete picture on all income and outflow back
to 1991. Could not operate without it. It has a budget feature, but
I don't use it.
No way can you track it all in your head - especially cash purchases.
Marsha
> No way can you track it all in your head - especially cash purchases.
Hence the reason for my post :-)
Marsha/Ohio
Rod Speed
> I'm curious. How many of you have a formal budget where you actually
> put down all your monthly expenses and income? I've never had one.
Me neither.
> I just do the numbers in my head,
I dont bother. Just watch the cash balance over time and
notice it keeps on increasing over time so dont bother.
> which is probably not a good idea in retrospect.
Depends on how close to the wind you are flying. Its fine if you arent flying that close.
Bill
I use an Excel spreadsheet program which adds/subtracts the things in a
column. (Need to set this up as you desire.)
Once this is setup, I have a list of my income and all my regular monthly
expenses. Then I can see how much extra money I will have each month to do
with as I please without overdrawing my account.
Then as monthly bills change, I just change the amount in the budget.
This has saved me many times. Sometimes I can see in advance that a bill is
expected next month for say auto insurance. Then I can cut back on my
spending a month ahead so I will have the money to pay the bill.
"Marsha" wrote in message
Nicodemus
news:6cht6nF...@mid.individual.net:
You are among the fortunate, spreadsheets, computers, electricity, when
the oil runs out or becomes too expensive, have you considered the
alternative?
AllEmailDeletedImmediately
"val189" <gweh...@bellsouth.net> wrote in message
news:e2103ddd-1b5f-4a39...@m45g2000hsb.googlegroups.com...
> On Jun 25, 9:03 pm, Marsha <m...@xeb.net> wrote:
>> I'm curious. How many of you have a formal budget where you actually
>> put down all your monthly expenses and income? I've never had one. I
>> just do the numbers in my head, which is probably not a good idea in
>> retrospect.
i don't use a budget, per se, but i do have a list of bills for the whole yr
and when they're due so i can see when i'll need more money.
----------------------
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Nicodemus
news:XzP8k.71$0f.40@trndny01:
You have my Amen
AllEmailDeletedImmediately
news:Xns9AC9861F67879G...@194.177.96.78...
> "AllEmailDeletedImmediately" <der...@hotmail.com> wrote in
> news:XzP8k.71$0f.40@trndny01:
>
>>
>>
>> "val189" <gweh...@bellsouth.net> wrote in message
>> news:e2103ddd-1b5f-4a39...@m45g2000hsb.googlegroups.com.
>> ..
>>> On Jun 25, 9:03 pm, Marsha <m...@xeb.net> wrote:
>>>> I'm curious. How many of you have a formal budget where you
>>>> actually put down all your monthly expenses and income? I've never
>>>> had one. I just do the numbers in my head, which is probably not a
>>>> good idea in retrospect.
>>
>>
>> i don't use a budget, per se, but i do have a list of bills for the
>> whole yr and when they're due so i can see when i'll need more money.
>>
??????????
Rod Speed
> "Bill" <billnoma...@yahoo.com> wrote in
> news:6cht6nF...@mid.individual.net:
>
>> I've had a simple monthly budget for many years.
>>
>> I use an Excel spreadsheet program which adds/subtracts the things in
>> a column. (Need to set this up as you desire.)
>>
>> Once this is setup, I have a list of my income and all my regular
>> monthly expenses. Then I can see how much extra money I will have
>> each month to do with as I please without overdrawing my account.
>>
>> Then as monthly bills change, I just change the amount in the budget.
>>
>> This has saved me many times. Sometimes I can see in advance that a
>> bill is expected next month for say auto insurance. Then I can cut
>> back on my spending a month ahead so I will have the money to pay the
>> bill.
>>
>>
>> "Marsha" wrote in message
>>> I'm curious. How many of you have a formal budget where you
>>> actually put down all your monthly expenses and income? I've never
>>> had one. I just do the numbers in my head, which is probably not a
>>> good idea in retrospect.
> You are among the fortunate, spreadsheets, computers, electricity, when the
> oil runs out or becomes too expensive, have you considered the alternative?
Wont need any alternative, the power stations will still be coal and nuke
powered and the plastics etc will come from coal instead of from oil.
clams_casino
>I've had a simple monthly budget for many years.
>
>I use an Excel spreadsheet program which adds/subtracts the things in a
>column. (Need to set this up as you desire.)
>
>Once this is setup, I have a list of my income and all my regular monthly
>expenses. Then I can see how much extra money I will have each month to do
>with as I please without overdrawing my account.
>
>Then as monthly bills change, I just change the amount in the budget.
>
>This has saved me many times. Sometimes I can see in advance that a bill is
>expected next month for say auto insurance. Then I can cut back on my
>spending a month ahead so I will have the money to pay the bill.
>
>
>
>
Been doing something similar for 35 years. We have a "budget" book on
the kitchen counter. Every expenditure is manually entered & totally
at the end of each month in dozen categories.
While we don't follow a "budget", knowing where our money goes has
allowed us to maximize our spending / saving. It forces us to think
whether certain expenditures are really in our best interest.
It also shows where / how some expenditures are going up in costs vs
over spending.
If one doesn't control their spending, they have no control over their
savings.
Rod Speed
> Bill wrote
>> I've had a simple monthly budget for many years.
>> I use an Excel spreadsheet program which adds/subtracts the things in a column. (Need to set this up as you desire.)
>> Once this is setup, I have a list of my income and all my regular
>> monthly expenses. Then I can see how much extra money I will have
>> each month to do with as I please without overdrawing my account.
>> Then as monthly bills change, I just change the amount in the budget.
>> This has saved me many times. Sometimes I can see in advance that a
>> bill is expected next month for say auto insurance. Then I can cut back on my spending a month ahead so I will have
>> the money to pay the bill.
> Been doing something similar for 35 years. We have a "budget" book
> on the kitchen counter. Every expenditure is manually entered &
> totally at the end of each month in dozen categories.
Wota dinosaur.
> While we don't follow a "budget", knowing where our money goes has allowed us to maximize our spending / saving. It
> forces us to think whether certain expenditures are really in our best interest.
> It also shows where / how some expenditures are going up in costs vs over spending.
> If one doesn't control their spending, they have no control over their savings.
Wrong when you earn considerably more than you spend.