You name it and we’ve tried it. We’re forgetful, we’re absent-minded and oftentimes we’re broke on top of all of that. So the budget is pushed at the seams as it is and then on top of that one of us inevitably leaves something out.
Until recently. Introduce the notebook. Plain, classic and easily available. I didn’t come up with this and honestly I feel dumb that I didn’t. But back to the point: You get a notebook. You write a payday at the top of the front of a page. You write the bills that will be paid out of that paycheck down and add them up. Then once you get paid, you write the amount that hit your account (or if it was in the negative you write what you ended up getting but this process should eliminate this happening over time) on the BACK of the page you wrote your expected expenses on.
So your first page would look like this:
October 1stCar note, +mortgage +insurance +credit card +everyone else who wants your money $All Your Coins ‘n Dollas
Then on the back of that page it would look like this:Small paycheck -Car insurance -mortgage -car note -credit card -everything else you owe $The money you have left for gas, food and some damn near free fun
Then to help things, if some of these are automated or not instantly subtracted from your bank account; you write the items down and then you give them a red check mark when they clear the account. This is GREAT for the things that are automated because if you look and go to spend money and seem to have too much, you can reference the book and be all oh yeah this hasn’t cleared. It helps stay on top of things.
This has…it’s relieved SO much stress. By using this in addition to my Ledgerist app I feel in control of our money instead of the other way around.