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Do you all write down everything you spend?
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I don't at the moment, but am thinking that maybe I should? I have a friend who does and she says it stops her forgetting the little things she has brought.
I don't tend to buy it if I don't need it, althought sometimes go off the rails but maybe it would give me a shock to see what I do spend in black and white! :eek:
I don't tend to buy it if I don't need it, althought sometimes go off the rails but maybe it would give me a shock to see what I do spend in black and white! :eek:
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So I will, if you will!
Slowly, Slowly = Oct '09: £30693, Aug '15: £14820. Could Be Debt Free April 2020, but hoping for sooner!
Once you see a pie chart showing you that almost half of your earnings are going on debt....
New house. Bigger mortgage. MFWB after I have my buffer cash in place.
I have a little notebook, which has a page at the start of each month outlining what's coming in and what's going out that month. Then following that I have a page for each week in the month outlining how my weekly "food and fun" budget (£25) will be spent.
Then I keep a running total of what I have left to see me through the week, which i usually keep in cash in my wallet.
If I've allocated a set amount for, say, a weekend away or friends coming to visit, then I won't write down everything then, I just make sure I stay within the budget I've allowed.
It IS anal, and people DO take the mick out of me... but I like too much being in control of it all!
Dec 2005 £8,500
April 2007 £0
Paid Off Since Lightbulb Moment £8,500
Debt Free Date: APRIL 16 2007
:j :j :j :j :j :j :j :j
For example I can tell you since then I have spent £667.54 on petrol or £101.68 on toiletries. Sad I know but it helps me understand where my money goes!
Especially now that I am starting to build a budget for the first time ever. I need the spending diary so I can see how well I am doing with my budget. It really helps to see it written down and at first I was very surprised to see how much I spend over a month. I didn't think it was anywhere near that amount but every little thing adds up to a big figure in the end :eek: