A big thank you to all of you who went to “lit” and read and commented on my story. I appreciate your time and your feedback! I will be a little slow in return visits. Life is Good but Insanely Busy right now.
How do you do your budget? Do you use software? Do you do it the old-fashioned way on paper? Are you somewhere in between and use a spreadsheet? The Engineer and I are in the agonizing process of making our budget for 2014. So far, we're both alive, and talking to each other and had a wonderful, belated “30th Anniversary of our fist date” dinner last night. However, I feel like I've been doing nothing but budget stuff for two weeks.
Of course that's not true. There have been plenty of other activities, you know, last week being what it was, plus we had two other major events. It just feels like it's been parties, grocery store, food for parties, or BUDGET.
We are terrible at following through on our budget. We've taken the highly recommend Financial Peace University class TWICE (were small discussion group leaders the second time) and have tried over the years to follow Dave Ramsey's principles of naming each dollar before it comes in, and not spending more dollars than you have.
“No, you can't have that dollar for Home Depot. It says groceries on it!”
We have been...sporadic and not very successful, especially as of late. So back to the drawing board. The difference this time is that The Engineer has been beside me every step of the way. As a mathematician and former office manager who did accounts payable, account receivable, and payroll, along with our family's taxes, I've usually been the one tasked with the...onerous task. However, having him beside me, seeing in black and white (and of course RED) what we're really up against with some of our recent challenges has been SO GOOD.
I've of course “shown my work” before, but he's been pretty much Chevy Chase at the Grand Canyon about it, and then wondered where all the money was at the end of the month. No more. He's fully awake and aware and together we are trying to come up with a solution to what seems impossible to balance.
I'm asking seriously here, how do you handle the budget in your family? Any advice is welcome. Or maybe you have so much money that it doesn't matter where it goes, there's always more. I've dreamed of one day being there. I'd buy a big sailboat...
I know this isn't in English, couldn't find one...but the point is he glances at it for .8 nanoseconds...