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ELISADENK's Photo ELISADENK Posts: 11,117
12/27/15 11:47 P

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We keep a Budget Book that helps.

We also use the envelope system.

Sometimes we keep track of our money better than others.

I'm finding that the more cash we use, the easier it is to balance our checkbook.

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MYAKAYAH's Photo MYAKAYAH Posts: 9,646
8/21/14 2:15 P

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Yes I track my spending quite carefully in a Spreadsheet, the SO thinks I'm a bit too frugal but better that then being a spendthrift and broke!

I break things down in this way (from most to least important)

1. Expenses-translation=The Bills every month like mortgage, insurance, energy, water, trash & recycle, sewer etc...(Savings and Charitable Giving is in this category)
2. Grocery & Gas=food and transportation
3. Satellite & Internet
4. Miscellaneous (The SO and I have 2 children. The younger one gets an allowance since she is too young for a paying job. She has chores and gets deducted for incompletions which rarely happens anymore. The older will graduate high school next May. He has a paying position so he doesn't get a regular allowance.)

I rarely buy things that aren't on sale even at the grocery. Meat and dairy prices are not too cool in my book. I buy less meat but have to stock the eggs and a gallon of milk a week.
I buy toiletries and that type of thing from Target or the Dollar store! I make my own laundry soap, cleaners and use vinegar in the dishwasher instead of Jet-Dry. Would love not to have to use stainless steel and Granite Cleaner~

GOOD TIP I just learned a few days back. Microfiber cloths are very multipurpose! I use them to shine and clean the faucets in all the bathrooms and kitchen. Also, I rarely purchase paper towels and plastic bags like Ziploc, such a waste of money in my view~


Edited by: MYAKAYAH at: 8/21/2014 (14:21)
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CARMIE34's Photo CARMIE34 SparkPoints: (90)
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5/7/14 12:05 P

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Yes, I need to track my spending or I would end up broke. :D
I will allocate the money first for important things like bills and foods and a bit for savings.

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WINDSWEPTACRES's Photo WINDSWEPTACRES Posts: 322
8/24/13 12:46 P

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Hubby does a whole spreadsheet thing to keep track of where our money goes. He's tried to explain it to me, but I'm not accounting-savvy, so I'd just as soon he handles that part of it.

We each get $100 spending money a month which we don't have to account for. Frankly, mine is usually gone within a week; he manages to save most of his. So, where does my money go? Mostly books and DVDs, and the rest I fritter away.

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HOUNDLOVER1's Photo HOUNDLOVER1 Posts: 8,862
8/23/13 2:07 A

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I am tracking again after a long time of not tracking. I hate it, to be honest, but it keeps me honest to only buy things that we need. We still spend a lot of money on groceries but it is for quality items like organic natural foods, not for processed junk.
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CHALLENGER15's Photo CHALLENGER15 Posts: 11,327
8/21/13 7:24 P

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I think that a goal of 5 non-spending days is a great way to be more frugal. I may just try it!

My name is Tammy and I live in SW Missouri.

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JOLA11 Posts: 147
8/21/13 7:01 P

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My main spending problem is the grocery store. I go with a list, I buy on sale and I still spend waay too much in my opinion. So I am trying to limit myself to 1 trip per week, as opposed to several smaller trips. Hopefully that will help.

MZDOOR's Photo MZDOOR SparkPoints: (26,806)
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8/21/13 4:41 P

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I can happily go days without spending, but my hubby can't. It's like he knows he can't spend so that makes him want to spend more. It's really funny, but he knows I'm a tightwad, so he tries really hard, but fails. I do acknowledge that he tries though!

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GRANDKATZ's Photo GRANDKATZ SparkPoints: (38,489)
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8/21/13 3:04 P

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I have been doing this for many years, sometimes looking carelessly at where my spending goes, and since retiring last year from f/t employment, looking much more carefully at where the spending occurs.

I aimed for 5 no spending days this week, and so far I am on track with this goal.

Anyone care to share their thoughts?

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