- Learning to use a speadsheet (e.g., Excel) to manage my budget - 5 Updates
- Underwear - 3 Updates
- Buying shoes online - 1 Update
- Resolutions for 2019 - 1 Update
| ggggg9271@gmail.com: Jan 01 11:05PM -0800 I have been thinking of doing that. Does anyone here already do that? Am I hoping to use a hammer to swat a fly? |
| The Real Bev <bashley101@gmail.com>: Jan 02 11:41AM -0800 > I have been thinking of doing that. > Does anyone here already do that? > Am I hoping to use a hammer to swat a fly? Depends on what you want to do and how complex it is. Download LibreOffice (free and very good) and play with the spreadsheet part. My budget-management system is just spending as little as possible, which seems to have been working well for over 50 years. -- Cheers, Bev If you are going to try cross-country skiing, start with a small country. |
| John Weiss <jrweiss98155@comcast.net>: Jan 02 01:08PM -0800 > I have been thinking of doing that. > Does anyone here already do that? > Am I hoping to use a hammer to swat a fly? I've been doing it for several years. The hard part is to identify ALL income sources and expenditures. The latter is harder, because we often don't admit we part with money for some stuff... I start with take-home pay, not gross pay. Payroll deductions for IRA/401k and Social Security/Medicare never show up in the budget because they are considered untouchable. Other payroll deductions for Medical, Dental, etc are added back in, then itemized as expenses later (so you can analyze if you need to change). Income tax is settled later as income from a refund or an expense for underpayment. As a starting point, try to rebuild the past year, month by month. You'll need as many monthly statements as you can find. Then estimate what you will need month-to-month this year. Categories from my spreadsheet: 2018 Actual / 2019 Budget INCOME J SOCIAL SECURITY Net Income J [Org1] Take Home +Medical, Dental Net Income JOHN [Org2] Net Income F [Org 3] Take Home +RHPA +Dental Net Income F SOCIAL SECURITY Take Home INTEREST (no CD reinvest) CU1 CU2 Tax Refund TOTAL NET INCOME EXPENSES UTILITIES Alarm Electric Gas Cell Cable Pest Control Disposal Water Newspaper INSURANCE House & Misc Car Long Term Care Medical Dental Vision Life MEDICAL Copays Dental Vision TAXES Property IRS Excess Car Tags Dog HOUSE Credit card other Food & Drug Wine Costco Home Depot, Lowes, etc Restaurants Clothes & Hair Gas, Parking, & Tolls Car Maint Yard Maint House Maint Computer Magazines & Orgs Legal Dog Charity TRAVEL [Org 1] [Org 2] Family |
| RJH <patchmoney@gmx.com>: Jan 02 10:45PM On 02/01/2019 21:08, John Weiss wrote: > As a starting point, try to rebuild the past year, month by month. > You'll need as many monthly statements as you can find. Then estimate > what you will need month-to-month this year. snip comprehensive categories OOI, why don't you pay in to a sinking fund? This can cover unpredictable expenses like broken appliances and uninsured elements of health care. If you don't spend it in any one time period you have a number of lovely options - carry over (save), spend at once etc. It's what I do, and I've been lucky enough not to have to use it for a couple of years. Cue tempting fate :-) -- Cheers, Rob |
| John Weiss <jrweiss98155@comcast.net>: Jan 02 03:15PM -0800 On 1/2/2019 14:45, RJH wrote: > options - carry over (save), spend at once etc. > It's what I do, and I've been lucky enough not to have to use it for a > couple of years. Cue tempting fate :-) Each individual will have hir own needs. Thus, each individual will have a unique budget/spreadsheet. My example was only a starting point for anyone who otherwise wouldn't know where to start. Another part of the budget that I did not tap was savings. I track savings and investments separately. Younger folx may want to add savings into the budget, especially in the years when they are building their emergency fund. If saving for several discrete goals (e.g., vacation, college, house down payment...), budget for each separately. |
| Dennis <dgw80@hotmail.com>: Jan 02 11:58AM -0800 >Is it my imagination or have the underwear racks at the store like quadrupled in size the last ten years? >Lemme guess, people just throw them away now instead of washing? It's not your imagination - the typical ass has quadrupled in size. Bigger asses->Bigger underwear->Bigger racks to hold them. QED. Dennis (evil) -- "There is a fine line between participation and mockery" - Wally |
| The Real Bev <bashley101@gmail.com>: Jan 02 12:07PM -0800 On 01/02/2019 11:58 AM, Dennis wrote: >> Lemme guess, people just throw them away now instead of washing? > It's not your imagination - the typical ass has quadrupled in size. > Bigger asses->Bigger underwear->Bigger racks to hold them. QED. Walmart has stuff in huge sizes but seem to run out of S and M (HA!) sizes quickly. Apparently the same with Costco. I have to wonder why they don't just order more of the smaller sizes. Yet another reason to shop on line. -- Cheers, Bev It's not the speed that kills, it's the stopping. |
| Michael Black <mblack@pubnix.net>: Jan 02 03:41PM -0500 On Wed, 2 Jan 2019, The Real Bev wrote: > quickly. Apparently the same with Costco. I have to wonder why they don't > just order more of the smaller sizes. > Yet another reason to shop on line. I've noticed that groups that sell tshirts, as a fundraiser or promotion, often seem to have more of the larger sizes. Even the local Fringe Festival had volunteer tshirts that always seemed to be too big. My guess is that if they run out, they'd rather deal with the smaller people than have to tell the bigger people that there's nothing in tbheir size. Large look silly on small, but they fit, while too small on a large person doesn't really work out. The only other explanation is that they actually order the same number of each size tshirt, but the larger ones have fewer takers, so they remain at the end. Michael |
| ggggg9271@gmail.com: Jan 02 10:49AM -0800 > Have you ever done that? Has anyone bought from this company?: https://www.shoes.com/s.jsp/r_prof/d_AdultM/b_0?Category=Casual&Size=8&GeneralWidth=EW |
| Beaver_Fever@live.com: Jan 01 08:08PM -0800 On Tuesday, January 1, 2019 at 11:52:32 AM UTC-8, catalpa wrote: > > Get passport. > > Harvest points and take more vacations. > You messed up by sleeping through 2018. I am looking at my detailed diary of everything I did in 2018. Good thing I wrote it all down as it happened because I don't really remember any of this. |
| You received this digest because you're subscribed to updates for this group. You can change your settings on the group membership page. To unsubscribe from this group and stop receiving emails from it send an email to misc.consumers.frugal-living+unsubscribe@googlegroups.com. |
