Friday, August 6, 2010

Money--Part II

Wow.  A lot more of you were interested in that budgeting spreadsheet* than I thought you would be.  In fact, more of you left comments on my post about Money than you have for a long time about any one random post I've written!  And while I am surprised that that many of you actually read that post to the end, I am not surprised that I'm not the only one with those thoughts about money on my mind.  I still don't know anything magical to say about dealing with finances, but I did want to follow up on a couple of things.  One of them I will do here and the other gets its own separate post in the hopes that more of you will pay attention to it.  :)

Budgeting--Part II
Remember how I told you that we made somewhat of a long-term budget so we know how much we can spend on things until Bryan graduates?  Well, so far it is working great.  Hallelujah!  I was telling Bry yesterday when we were out on a walk that knowing how much I can spend on things works in keeping spending down the same way keeping track of calories (I use this free website that I love) has helped me lose so much weight.  How's that, you ask?  Once I know how much I'm allowed, I always want to beat the system, prove I'm even better than what I planned, and spend less.  (Well, when it comes to calories I just do a little bit less sometimes so that I'm still eating enough.  So please don't think I'm promoting self starvation or something.)  But when it comes to spending money, I'm totally into spending a lot less... where possible.  It's like winning at a really great game.  The game of "I spent less on this so now we can put the extra into savings to spend on something better!"  Probably "something better" will be future expenses for things that come up after Bryan graduates, but--and I say this in all honesty--I feel just as happy and usually even more happy about tucking money away into our savings than I do about spending it on something fun.  Fun is fun.  But savings brings peace of mind.  And in my old age of 24 I'd rather have more peace of mind.  

Anyway, the thing that prompted all this was one of my great under-spending victories from a couple of days ago.  We had budgeted $20 for a birthday present for the big O.  (She turns 1 next month!  Aghhh!)  We didn't really have anything specific in mind to give her.  She doesn't need anything and our apartment is already cluttered enough and you know I don't want to bring a bunch of extra stuff in, especially if we have to buy it.  But when I was at the thrift store looking for something else I found the perfect little birthday present.  For $2.  That's $18 under!  Score!  And I feel totally satisfied giving her just that and not a ton of extra stuff.  Woot woot!  I'll show you what the present is later after she opens it for her birthday.  Anyway, budgeting is great.  

*If anyone else would still like a copy of the spreadsheet we use for budgeting just leave a comment with your e-mail and I'll send it to you.  Free, of course.  :)  Because spending money on a budgeting system is like spending money on a purse or wallet--doesn't it just feel ridiculous? 

13 comments:

rward1994 said...

Very interested in seeing your spreadsheet. Please send it to me at rward1994@yahoo.com. Thanks!

Angel said...

Also interested in the spreadsheet! angelinahook@hotmail.com
Thanks!

SteffiD said...

I'd totally love a copy of the spreadsheet!

sferguson87@gmail.com :)

Amanda said...

I'm a fairly new reader, but I'd love to see the spreadsheet. I'm always looking for ways to increase our savings! Great post, I love winning that game too! cloverdane@hotmail.com Thanks!

The Rowleys said...

Hoping that this one will stick for me! chelseej(at)gmail

Franc Family said...

Hello there just came across your blog! LOVE IT! Not so heavy into the blogging yet working on it! Hubby just lost his job so we are going to tighten the belt even more then we do. So that budget sheet would be awesome! clarandtyfranc@yahoo.com Thanks a ton! You really helped to motivate me today!!

Courtney said...

I think the same way you do! please send me a copy court.k.mattoon@gmail.com

The Davises said...

I want a spreadsheet! please. :)
meaganaleshadavis@gmail.com

Taylor4 said...

Hi! I've been following you for a bit now and would love to see your spreadsheet. I think it's great you are taking control of r your finances at such a young age. It's inspiring! Thanks for your time.
joannataylor79@gmail.com

Sassy Sarah said...

There is an amazing website my friend introduced me to call mint.com. It's completely free. They keep track of your spending without you having to do anything (as long as you already have online banking with your bank). It's actually SUPER handy and easy to see how you're spending your money. It also gives you tips and tricks of where you can save!

P.S. I'd also love a copy of the spreadsheet. I have a spreadsheet we use already, but would love to see how this one compares. Email: sarahisateacher@gmail.com.

Katelyn said...

I'd like it too. My email is katelynskoien@gmail.com

Sarah Carter said...

I'd love the spreadsheet as well!

sarahcarter1@gmail.com

Thanks!!!

Jessica said...

hey katie! love following your blog (the times when i'm actually good at keeping up with peoples blogs :)) can you send me a copy of the spreadsheet? we're trying to find a better way to budget..
anyway, i love your posts...you're always doing a million things...maybe you can give me a few pointers when we get back to wymount (we'll be back in 2 weeks!)
thanks!
jessica
jessargyle@gmail.com