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Started By
Message
re: How do you and your SO budget?
Posted on 1/24/16 at 9:27 am to CHiPs25
Posted on 1/24/16 at 9:27 am to CHiPs25
Quicken
It ain't perfect but good enough for us.
We pay ourselves first--401k, stock discount purchases, kids college, general savings, pay ourselves a car note (even when we do not have one because we will always need a car...keep em long time so cash avail for car purchase always on hand)...
The major buckets I manage relatively "tightly" (groceries, dining out, clothes, vacation, entertainment).
Some are "fixed" per decisions already made (house / mortgage, home ins, hoa, utilities)...
Taxes (fed, state, ss & medicare) are what they are (20-25% of income is variable so I peal taxes off as stand-alone and focus on non-tax budget items)
The rest is about choices...
From Kids tuition, Kids activities (sports, dance, school trips), etc to magazine subscriptions. There is only so much left after all the above and this is where a tool like Quicken helps with visibility to it all.
Good luck.
It ain't perfect but good enough for us.
We pay ourselves first--401k, stock discount purchases, kids college, general savings, pay ourselves a car note (even when we do not have one because we will always need a car...keep em long time so cash avail for car purchase always on hand)...
The major buckets I manage relatively "tightly" (groceries, dining out, clothes, vacation, entertainment).
Some are "fixed" per decisions already made (house / mortgage, home ins, hoa, utilities)...
Taxes (fed, state, ss & medicare) are what they are (20-25% of income is variable so I peal taxes off as stand-alone and focus on non-tax budget items)
The rest is about choices...
From Kids tuition, Kids activities (sports, dance, school trips), etc to magazine subscriptions. There is only so much left after all the above and this is where a tool like Quicken helps with visibility to it all.
Good luck.
0
Posted on 1/25/16 at 9:58 am to barry
quote:
My wife has built an insanely complicated spreadsheet that tracks everything from our net worth, debt repayments, monthly spending etc. It's quite impressive.
This. When we got married I tasked her with complete responsibility over the budget and bill payments. I honest to God haven't looked at any of our accounts with any detail for about 6 years. It's worked out great.
Posted on 1/25/16 at 11:34 am to TigerFanatic99
quote:
This. When we got married I tasked her with complete responsibility over the budget and bill payments. I honest to God haven't looked at any of our accounts with any detail for about 6 years. It's worked out great.
I know quite a few guys that did this, they thought they were doing well financially, one day they decided to take a look and found out they were actually broke and in debt.
Posted on 1/25/16 at 12:19 pm to lilsnappa
could i get a copy of your spreadsheet? Thanks
craigjchelette@gmail.com
craigjchelette@gmail.com
Posted on 1/25/16 at 1:01 pm to EA6B
quote:
I know quite a few guys that did this, they thought they were doing well financially, one day they decided to take a look and found out they were actually broke and in debt.
Every two or three months I peek at the balances of debt and savings on the spreadsheet. I am confident I would not have been able to save our money better myself.
Posted on 1/25/16 at 1:21 pm to LSU_CRAIGERS
quote:
LSU_CRAIGERS
quote:
mandevilletiger34
quote:
NoleTideNole
quote:
ruger35
YGM
Posted on 1/25/16 at 2:02 pm to lilsnappa
snappa if you get a chance I would greatly appreciate the budge template
polarpoptd at gmail
polarpoptd at gmail
Posted on 1/25/16 at 3:13 pm to Polar Pop
i like that layout.
macatak911@yahoo.com
macatak911@yahoo.com
Posted on 1/25/16 at 3:31 pm to macatak911
quote:
macatak911
quote:
Polar Pop
YGM
Posted on 1/25/16 at 3:44 pm to lilsnappa
Thanks man, really appreciate it
Posted on 1/25/16 at 5:09 pm to lilsnappa
This post was edited on 1/25/16 at 6:36 pm
Posted on 1/25/16 at 5:20 pm to EA6B
quote:
I know quite a few guys that did this, they thought they were doing well financially, one day they decided to take a look and found out they were actually broke and in debt.
I handle all the expenses and stuff and every thing is on Mint.
However, my wife and I like to joke that in a few years, she'll be that woman on Dateline, 20/20, etc saying "I don't know what happened!" that we all have found ourselves ridiculing in our lives.
Posted on 1/25/16 at 7:50 pm to lilsnappa
gracias amigo
This post was edited on 1/26/16 at 5:55 am
Posted on 1/25/16 at 7:58 pm to MSH
Anyone that can send it over I'd appreciate it
This post was edited on 1/25/16 at 11:58 pm
Posted on 1/25/16 at 9:38 pm to thatguy777
Did snappa ever post a picture of what this budget of his can do? Selling like hot cakes on the MTB 
I built an income tax calculator that fed my budget template awhile back. I've updated it a couple of times. It is honestly easier to plug into an online tool though so I quit updating it. I make a broad yearly budget when major purchases happen or income streams change so I can get a macro view of how things shake out.
I built an income tax calculator that fed my budget template awhile back. I've updated it a couple of times. It is honestly easier to plug into an online tool though so I quit updating it. I make a broad yearly budget when major purchases happen or income streams change so I can get a macro view of how things shake out.
Posted on 1/25/16 at 9:43 pm to lynxcat
quote:
Did snappa ever post a picture
page 2
Posted on 1/25/16 at 9:47 pm to lilsnappa
Lilsnapp - can I get a copy of your budget template? I really like that layout.
sunnysixkiller327 at gmail.com
Thanks.
sunnysixkiller327 at gmail.com
Thanks.
Posted on 1/25/16 at 10:43 pm to lynxcat
quote:
Selling like hot cakes on the MTB
I'm in management consulting, and am always preaching that you cannot manage what you do not measure.
My wife and I are in debt repayment mode (she just finished Med School), its a great tool. I do use Mint a lot, and its a better tool for managing your total financial picture, but Im too much of an excel nerd to let go completely.
Posted on 1/25/16 at 10:45 pm to SunnySixkiller
quote:
SunnySixkiller
quote:
thatguy777
quote:
MSH
Yalls gots mail
Posted on 1/25/16 at 11:36 pm to lilsnappa
quote:
I'm in management consulting, and am always preaching that you cannot manage what you do not measure.
Cut from the same cloth.
quote:
My wife and I are in debt repayment mode (she just finished Med School), its a great tool. I do use Mint a lot, and its a better tool for managing your total financial picture, but Im too much of an excel nerd to let go completely.
Marrying a doctor should have a nice payoff
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