Decluttering Campaign Member -179/2023
NSD 53/365
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NSD 53/365
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Thank you! This is kind of where I’m aiming to be, I found the spread sheet app on iPad last night, it was there all the time rather obviously called ‘Numbers’ 🤦🏼♀️ It is however so different to excel that I’m going to need a few YouTube tutorials in how to set it up xxFloss said:@Baxtersmum My budgeting is based around 2 bank accounts - the first one gets my salary & has all my DDs for the bills. I have a spreadsheet which has tabs for every month with the starting balance, each debit listed in date order, and an ongoing total so I know exactly how much there will be left at the end of each month & that gets transferred to my savings account. Because I just use that for the bills, it doesn't matter what date the DDs go out.
The second account, with a different bank, gets my "housekeeping" money on the 1st of the month, it is the account I use for my petrol, food shopping, haircuts, pet insurance, cat food etc.
Thank you! That’s a brilliant suggestion about the 5th, avoids all the bank holidays xBlackberrycurved said:Baxter'sMum - If your out goings are Direct Debits you can contact them and ask for the due date to be moved or if they are accounts you have online you can go online and do it. I actually like things going out at different times as I have income going in on different days during the month. If you want it all to go out at once avoid the 1st my bank manager told me aim for about the 5th, so if I'm asked I say the 5th.