Personal finances and budgeting (1 Viewer)

Jill Hives

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I know someone that did this recently. Paid off their mortgage and dropped their office job they hated, and took up a charity job they loved for about 1/4 of the salary.
They claim to be infinitely more happy.

That's the dream but lump sum not enough to buy a property that wouldn't need more money sunk into it to make it liveable...at least, not in Ireland.
 

ann post

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more a minor complaint but one thing my budget has taught me is that about 60% of my annual bills are due over a two month period, suspect it'll take about two years two smoothe that one out.
 

7 - No tomorrow

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Top tip for those using a spreadsheet to track their budgets
You can hotlink all your utility and bank and credit card accounts on the sheet to their various webpages - so it's a quick click to check anything you need

Obviously I'm assuming everyone shares my mania for spreadsheets and never paying interest on a credit card

1579880821261.png
 

jonah

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Ive managed to get to 31 without ever owning a credit card that isn't paid off by jeff b.
 

sleepy

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Top tip for those using a spreadsheet to track their budgets
You can hotlink all your utility and bank and credit card accounts on the sheet to their various webpages - so it's a quick click to check anything you need

Obviously I'm assuming everyone shares my mania for spreadsheets and never paying interest on a credit card
I don't use a spreadsheet or anything for keeping track of finances but 1 thing I did do recently was getting a Revolut card. I've set up a standing order to it so that a limited amount of money goes on to it every week for personal spending and my main bank account is then just used for bills etc. and is never touched by myself. I find it easier to keep track of things that way.
 

7 - No tomorrow

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I don't use a spreadsheet or anything for keeping track of finances but 1 thing I did do recently was getting a Revolut card. I've set up a standing order to it so that a limited amount of money goes on to it every week for personal spending and my main bank account is then just used for bills etc. and is never touched by myself. I find it easier to keep track of things that way.
Me too
I have a savings account that receives a direct deposit every week and it is only for paying the mortgage - nothing else

I like your idea of having a set allowance for spending money. It does focus the mind.
 

pete

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