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I have a 2 step process. I have an excel spreadsheet that when I pay the bills each month the amount goes in. I have these categories:
My student loan
His student loan
Life insurance thru work
Then for the variable expenses each month I keep a table in Word so that I can put a note by each expense in the categories (ex: whose dr visit it was, whose gas, etc). At the end of the month, I add up each category and then put the total for each category in the excel spreadsheet.
Household (groceries, toiletries, etc)
Large purchases (anything oer $100 that otherwise would go in misc)
Kids activities (sports, etc)
Hubby's other hobbies
So by looking at the spreadsheet I can see where the money went and then if I need further info for a variable category(like how the heck did we spend X on Z that month) I can refer back to my table to see my notes.
At the end of the year I figure out the percentages of our total budget that each category is.
Last edited by ~Kris~; June 21st, 2011 at 07:45 AM.
I use an excel spreadsheet to break down the big bills that are paid monthly. Then I use a ledger pencil and paper method for tracking day to day expenses. It helps me to be more aware of what I am spending when have to write it down and do the math.