Where does the excess money go?????

Catslovelycats

Thanks all!
I've resurrected my spreadsheet and will have to discipline myself enough to do the keep-spending-cash-in-purse trick.
Thinking about it, I think I spend a lot on lunches in the canteen (which aren't very nice most time anyway!) and snacks at break times.
Oh and yes, I do tend to 'treat' myself to takeaways when I get home late - the free-home-delivery ones are the most tempting!
For some reason in AUgust I lost momentum with MSE-ing. I forgot this site and neglected my spreadsheet.
Am determined not to let that happen again!
Thanks again for you comments.

Catslovelycats

Thanks TImbstoke - I've just got an app on my ipod that does this. It's a great idea. Thanks.

dumpy

EssexHebridean wrote: »

The thing that prompted the blog post was being on a long train journey, having a 45 minute wait between trains, and deciding the "treat myself" to a £1.69 cup of tea. I appreciated that lovely hot cuppa FAR more than the bags, shoes etc were appreciated at the time of buying them!

And in true MSE manner did you use your Bite card and get 20% off the cost of your cuppa?

Flora_Poste

oh please what is the app called and where do I find it?

Tthats exactly what I need. I don't buy coffees or magazines but there's still a significant hole in the budget where the spare money falls through.

Catslovelycats

Flora_Poste wrote: »

oh please what is the app called and where do I find it?

Tthats exactly what I need. I don't buy coffees or magazines but there's still a significant hole in the budget where the spare money falls through.

Hi FP
It's called Expense Book and does all kinds of things.
you just have to remember to record every spend and I kept forgetting last month.
Before starting it think about all the different spending categories you use.
Enjoy!

Angel84

Oh my.....I have been brutally honest with my diary and it's scary reading~! I don't have valid reasons for all my spending (nobody needs that many packets of mints...surely????) But it's there in all it's bare glory. Now, how to crack down on it. Think the debit card needs to stay tucked away at home for a while. EEEEKKKKK

Cherryjack

Love this thread :-) can anyone suggest a free (safe) online spreadsheet i could use? i dont have one on my laptop..

lesleyvhalifax

Cherryjack wrote: »

Love this thread :-) can anyone suggest a free (safe) online spreadsheet i could use? i dont have one on my laptop..

https://www.openoffice.org

Cherryjack

lesleyvhalifax wrote: »

www.openoffice.org

Thank you just downloading it :beer:

Catslovelycats

Angel84 wrote: »

Oh my.....I have been brutally honest with my diary and it's scary reading~! I don't have valid reasons for all my spending (nobody needs that many packets of mints...surely????) But it's there in all it's bare glory. Now, how to crack down on it. Think the debit card needs to stay tucked away at home for a while. EEEEKKKKK

I know it's scary, Angel, isn't it.
Well done for facing the fear!
My spending goes on stocking up on pet stuff and toiletries. Though recently I've been stashing away craft stuff too - even though I don;t need anymore craft things AT ALL.

Enjoy your hibernation, Angel's card!:money: