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Thread: You Need a Budget

  1. #41
    Tart JoyW's Avatar
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    I use my debit card for everything - he uses cash for everything. I could track my spending through the bank account no problem at all. Finding out what he spends his cash on might be more difficult, but maybe I could get him to give me his receipts.
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  2. #42
    Full Sponsor RealCranky's Avatar
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    My in-laws carried tiny notebooks and wrote everything down.
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  3. #43
    Heartless Wench Alice Chalmers's Avatar
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    It doesn't necessarily matter all that much what he's spending it on. Just make a budget category "Rael's Cash" and call it good. One of the pitfalls people make in budgeting is getting way too granular. I started out separating electric, internet, phones, rent, etc but now I have one big category called "Housing and Utilities." It's often good to be fairly specific at first, but don't narrow everything down so much that the budgeting part itself becomes stressful. The purpose of a budget is to tell your money where to go.

  4. #44
    Off to Work! Eli's Avatar
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    Quote Originally Posted by Alice Chalmers View Post
    It doesn't necessarily matter all that much what he's spending it on. Just make a budget category "Rael's Cash" and call it good. One of the pitfalls people make in budgeting is getting way too granular. I started out separating electric, internet, phones, rent, etc but now I have one big category called "Housing and Utilities." It's often good to be fairly specific at first, but don't narrow everything down so much that the budgeting part itself becomes stressful. The purpose of a budget is to tell your money where to go.
    So glad you said this. I was going over all the budgeting categories and found myself getting really overwhelmed.



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