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Forum: Financial Planning and Budgeting

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  #1  
July 4th, 2011, 11:31 PM
JessP's Avatar Lovin life and family
Join Date: May 2009
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How detailed is your spending tracking?
Do you track every penny to stretch every dollar?
Do you just "know" how much you have and try to not overspend?
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  #2  
July 5th, 2011, 07:09 AM
pattyandthemoos's Avatar Administrator
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Location: Michigan
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I suck at this. I have tried to keep a spreadsheet before but I always end up giving up on it pretty quickly. I know my big bills but the nickel and dime stuff is what gets me into trouble.
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  #3  
July 5th, 2011, 07:37 AM
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I have found that I cant nickle and dime every expense but I have a pretty good sense of whats in my accounts and keep that total in my head with regards to spending each day. I balance my checkbook at least once a month and check my balances regularly.
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  #4  
July 5th, 2011, 11:13 AM
JessP's Avatar Lovin life and family
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I am terrible at remembering anything so I have to track everything. If not I usually over spend.
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  #5  
July 5th, 2011, 11:33 AM
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I track everything. The nickel and dime purchases are the ones that really add up over the course of a month. I know when I first started tracking I was shocked to see how much we were spending in some areas. My guess is a lot of people do not realize how much they are overspending by (such as on Til Debt Do Us Part).
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  #6  
July 5th, 2011, 12:18 PM
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I'm working on my tracking. After stepping away from it for quite a while, it's hard to get back in the habit. It's especially hard to get my hubby back in the habit because when I ask him how much he spends on stuff he tends to get offended.
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  #7  
July 5th, 2011, 02:03 PM
Hazel's Avatar Mega Super Mommy
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My husband would get offended when I asked about purchases I didn't recognize on our accounts but I don't think he ever will again--his debit card number was compromised late last week and the first fraudulent charge to show up was at a local grocery store that we rarely go to but I didn't ask him about it because he gets all upset that I am "checking up on him". Turns out it was the first of five fraudulent charges (the rest were in Queens and Chicago) and there is quite a bit of money missing from the account--we spent an oh-so-fun hour at the credit union this morning filling out paperwork to try and recover our funds from mastercard. So if I ever ask about an odd charge again, he will be more than happy to tell me what it is
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  #8  
July 6th, 2011, 04:30 AM
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Oh my goodness! I'm glad that you caught it Hazel!

I haven't let Tim's being offended prevent me from asking... I still do and he's starting to understand why. I'm definitely going to tell him what happened to you guys so he'll get over it!
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  #9  
July 7th, 2011, 07:22 AM
wefrogy's Avatar Platinum Supermommy
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Location: Virginia
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we just know how much we have and try not to overspend
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  #10  
July 7th, 2011, 04:28 PM
Happy Song's Avatar Nicole
Join Date: Jan 2010
Posts: 10,787
We generally pay cash. When the money is gone we stop spending. For on line purchases I have to decide I am buying something and then go put the money in my account to pay for it. That keeps me from frittering away money.
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