What is the safest software to do this? I get paranoid about allowing software to access all my accounts.
Help. Thank you.
1."'FOREVER' in love" lasts only 14 years.
2. Alcohol is NO solution just a bigger problem
My favorite drink is water. Call me Dasani23
Think of the haters in your life as sandpaper; they’ll scratch you up time and time again but in the end you’re polished, smooth, and spotless..while they end up useless
We make a living by what we get, but we make a life by what we give.
In previous years I only did this at the end of the year, but this year I started doing it every month. I really need to watch my expenses because I have some expensive home repairs so money is tighter this year.
It has three linked sheets.
The master has a page for every category, the "big picture" overview collects the data and summarizes by month and year, and the "quick look" tells me how quickly I'm spending my discretionary fund every month.
I have it set up so when I'm in the red, the numbers are red and boldface (I draw the line at flashing...).
I'm a nerd that way.
It's very handy at tax time.
[This message edited by FaithFool at 11:19 AM, June 22nd (Sunday)]
Like Moo we have a new workbook for each year. Tab one is our big picture with all debts, mortgage, insurance and annual finances like our vacation and gift and charity funds. Each new tab is a new month, and we have savings and inflow and outflow and fudge factors all calculated in so we can just put in the numbers and all the calculations are auto-filled.
We've discovered over the years that we can't line item everything. We have food and household expenses as a single number, because neither of us has time to itemize paper towels and cat litter versus fruit and vegetables. So it's like - all of the food and supplies we regularly buy in the month from the grocery store and wal-mart are lumped together. We update that number about every weekend, so we'll just auto-search our online bank for the name of our grocery store and add all those numbers together for the weekly total and enter that number in to the spreadsheet.
We also tend to round up so we're not working with cents, just dollars, because simplifying means we're more likely to actually do it.
It also makes it "fun" - if you can call it that - to make "vacation" and "blow money" categories and put a bit of money into them each month. That gives us an incentive to actually open the spreadsheet because we want to see how much we've saved for fun, sorta like getting a treat each time you do a chore.
Also we've found that if we overestimate our changing bills - like the gas and electric, which are completely unpredictable and change each month - we let the overflow go into a fun money account and go see a movie or something with it. This has actually (at times, not always) enticed the kids to shut lights off and turn off the fan in their room when they leave, so they could see if that helped earn us a family movie. DH and I may or may not regularly fudge our report of those numbers to report being in the black when we see the kids making an earnest try to shut things off, so they keep doing it.
I ♥ my Husband!!!
[This message edited by Dark Inertia at 9:42 PM, June 22nd (Sunday)]
WH#2 (SorryinSac)- Killed himself in our home 6 days after being served divorce docs.
XWH #1 - legally married 18yrs. 12+ OW (that I know of).
I edit often for clarity/typos.