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sezo

How do you manage your budget???

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WaitForMe

Interesting ghost thread!

 

Back when this thread started, we did zero budgeting! Every now and again, DH would say "oh wow we spent a crazy amount on that last holiday!" and I'd reply "I don't want to know, I just want to live in ignorant bliss!".

 

2 kids, a mortgage and a startup later...

 

My god, how things have changed!

 

I've used YNAB. Too much work, too much micro-management. Technically, you don't have to do it with a crazy number of categories, but its set up to encourage that method. I also found the flexibility to redo my budget on the fly to suit my spending meant that I hardly saved. I think it did help us become more aware of our spending though.

 

Now I use the Barefoot method. We went over our budgeted everyday essentials amount this month so just this morning I got a spreadsheet and looked over where our money went. The good thing is that with 20% going into the Fire Extinguisher, and 10% into Smile, thats a 30% buffer. We went over by about 7%.

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Hands Up

We have changed our budget pretty dramatically recently, with DH taking a 70% pay cut to work part time. We set up an excel spreadsheet before making the decision, and I’ve collap all our banking into one bank (from three!) so we can track our spending more closely.

 

Great zombie thread :-)

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Dianalynch

Not relevant to the thread - Hands up I really admire the big life changes you guys made to work less / downsize - just sayin’

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