I’ve worked one evening a week for four weeks on keeping track of our finances. I’m caught up, and I have a simple system in place that will allow me to keep on top of our finances at a cost of about one hour per week. It’s taken a lot of work, but I feel more in control than I have in a long time.
28 May 2008
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It starts with a little bit of overspending on Christmas. Not much. Not nearly as much as last year. Then it doesn’t all get paid off in January. Then you buy a couple things online and ‘we’ll pay off the card straight away.’ but you don’t and then the car needs fixed and we didn’t plan for that and a couple times you need petrol but you aren’t sure how much is in the current account because your record keeping hasn’t been so great so it goes on the card too and before you know it there’s your credit card with £700 on it. Dang.
It’s not a crisis. It will get paid off, but it didn’t have to happen. The thing is, you know it will happen again. WELL, NOT TO US. Our credit cards have now been put in a Very Inconvenient Place – we do have some self-control – and that is where they are staying.
21 March 2008
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One think that I haven’t really done so far in our quest for financial health is keeping track of how much we spend and where. That’s about to change. I hope. I have set up all my accounts in a little program called Cha-Ching, which promises a simple, fun and sexy way to manage your money. Let me tell you, nothing turns a woman on like the sight of her husband hunched over a laptop reconciling accounts. Yeah, right.
I will settle for a simple and tolerable way to manage my money. So far it looks promising.