Gallygirl's "A journey of 121,226.67 pounds begins with a single penny" diary

AlexLK

edinburgher: I'm self employed, so no contribution to be had from my employer.

edinburgher

Fair point, but there are still tax benefits to be had AlexLK

Lois_E

I have one file per financial year. It has sheets for
1) Accounts in/out and balances
2) Borrowing - tracking all the stats in my sig
3) Utilities
4) Account details - sort codes, account numbers, hints for login details
5) Kids' money
6) Gift Aid

I used to have a spending diary as well, complete with graphs, but I'm not doing that ATM.

I don't track my pension, I'm afraid. Payroll stick the usual amount into the TPA for me and I leave it to worry about itself without interference from me.

Hurdler

AlexLK wrote: »

edinburgher: I'm self employed, so no contribution to be had from my employer.

edinburgher wrote: »

Fair point, but there are still tax benefits to be had AlexLK

You should be pushing your pension contributions through the company!!! And self employed is all the more reason to put some solid retirement planning in.

When I quit real work to go it alone I think I used unbiased.co.uk on the advice of someone here and have a great Financial advisor near me.

May be worth a look ?

Tilly_MFW_in_6_YRS

gallygirl wrote: »

Did you all note that Tilly deflected talk of how many spreadsheets people had so she didn't have to 'fess up :rotfl:.

OK OK

Financials:
Income/s, bonus, lodger income (none currently due to mum), pension
Outgoings - split by account, by type ie utilities including council tax, insurances etc, extrapolated over 2 years with assumptions for increases
Monthly movements to offset pots to cover Xmas, insurances etc (13 pots)
Spending diary showing daily spends split by card, balanced against online statements weekly (has slipped to monthly but back to weekly)
(Lots of NSDs)
Big red boxes showing when certain milestones are due/achieved.
Graphs to show spending trends and pivots to show simple view

Food:
Food inventory, pivot front sheet to show proteins, carbs etc to make life easier for menu planning. This covers freezer, larder and fridges.


I stopped tracking the mortgage in my spreadsheet sometime last year as FD is excellent and IMO I didn't need to do this.

All in all I'd say my spreadsheet addiction has decreased slightly but I find it so much easier than bits of paper etc :)

Ok, signing out now, hopefully I'm forgiven :rotfl:

Tilly x

Hurdler

Tilly_MFW_in_6_YRS wrote: »

OK OK

Financials:
Income/s, bonus, lodger income (none currently due to mum), pension
Outgoings - split by account, by type ie utilities including council tax, insurances etc, extrapolated over 2 years with assumptions for increases
Monthly movements to offset pots to cover Xmas, insurances etc (13 pots)
Spending diary showing daily spends split by card, balanced against online statements weekly (has slipped to monthly but back to weekly)
(Lots of NSDs)
Big red boxes showing when certain milestones are due/achieved.
Graphs to show spending trends and pivots to show simple view

Food:
Food inventory, pivot front sheet to show proteins, carbs etc to make life easier for menu planning. This covers freezer, larder and fridges.


I stopped tracking the mortgage in my spreadsheet sometime last year as FD is excellent and IMO I didn't need to do this.

All in all I'd say my spreadsheet addiction has decreased slightly but I find it so much easier than bits of paper etc :)

Ok, signing out now, hopefully I'm forgiven :rotfl:

Tilly x

Does anyone find it ironic that the ONE thing you don't track is the mortgage

But seriously that is amazing tracking and I am just jealous of my measly two spreadies!

Tilly_MFW_in_6_YRS

Hurdler wrote: »

Does anyone find it ironic that the ONE thing you don't track is the mortgage
:rotfl::rotfl::rotfl::rotfl:

But seriously that is amazing tracking and I am just jealous of my measly two spreadies!

I knew I was on the wrong forum

Hurdler

It's like we need a SGW* thread

*Spreadsheet Genius Wannabe

gallygirl

OK, pensions - not too many sheets

• One for work pension
• One for SIPP
• One for shares (one co only and not that many ) - on here as part of retirement pot. That has current value and estimated value based on additional dividend shares
• One new sheet with what will happen to pension - how long it will take to empty into NISA, how much cash I will need from it for own, personal, spends, adding on 2 small works pensions as well. Estimated growth & inflation. Estimated when I will run out. (Answer - never :cool:)
• One summary sheet with all income including rental income and annual tax liability
• One sheet for Mr GG - but he has now got v v detailed info so it's not needed anymore

More pages than pounds unfortunately :rotfl:.

Lois_E

Hurdler wrote: »

It's like we need a SGW* thread

*Spreadsheet Genius Wannabe

SGA - Spreadsheet Geeks Anonymous