Jan 10, 2013
It seems that the overwhelmation has overflowed into many areas of my life!
For us, the hardest part is the day to day tracking. Drives me nuts! We tried using cash for awhile, but that got complicated - maybe because neither my husband or I are solely responsible for any one category. So that meant two sets of envelopes. And then we tried tracking receipts, but I started drowning in them.
I'm not kidding.
Then we tried excel sheets with a crazy number of budget lines for this and that, which worked great for a long time...but it got cumbersome. And now I just don't know. Is it because I'm the creative type? What do accountants do with their personal finances?
I miss knowing what is where. I have an inordinate fear of ending up living in a cardboard box (silly I know) so the 'not knowing for sure' in the day to day really wears on me, I think.
Any ideas? Do you keep track of your day to day spending? How? Do you have a budget? And how to make time for this?