While doing this you can also budget for the month or adjust if necessary. Record your spending each time you make a purchase, and reconcile the amounts once or twice a month. My suggestion would be to focus on expense tracking alone for the first 3-6 months. This then means I am able to buy presents on Black Friday / in December. I've then have things like Christmas - each person is set up as a category within the Christmas group, with the target date of funding by 28th of November. This then means I have them all covered when they come out, normally around the 1st of the month. So, all the bills need to be funded (set with a target) on the 28th of the previous month. I get paid on the same day of the month (28th), and do not get much extra money. I did have bills coming out of the same category (say - Insurance, with AXA, Vitality etc), but I missed this on the first run which screwed my budget up a little. Then, I have put in the exact thing that's being paid as a category, so I don't miss it. Now? I'm a lot happier with it - it required a change of mind set, and I am probably using it completely wrong but I'll adapt in time. I've just started using YNAB - and was ready to throw in the towel immediately.
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