swamp
Community Leader
THEY’RE EATING THE DOGS!!!!!!!
Joined: Dec 19, 2010 16:03:22 GMT -5
Posts: 45,617
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Post by swamp on Jun 16, 2011 13:53:00 GMT -5
I don't do a cash flow style budget like the spreadsheet you are working with, but I do leave a buffer of around $1500 in my checking account to cover cash flow issues. When it gets too much above that amount I transfer it out to other accounts. Are you looking for comments on the numbers that were input into the spreadsheet linked on page 4 or are you working on an offline one? I was hesitant to post my budget but I did it last month because I felt bad about the beating that Mrs. Dinero was taking over hers. Everyone was actually very nice to me and there were no nasty comments. Because you arent teetering on the edge of financial disaster.
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Wisconsin Beth
Distinguished Associate
No, we don't walk away. But when we're holding on to something precious, we run.
Joined: Dec 20, 2010 11:59:36 GMT -5
Posts: 30,626
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Post by Wisconsin Beth on Jun 16, 2011 13:54:26 GMT -5
Ouch. I'd love a dataplan on my phone but we can't justify it. I keep hoping work will give me one, then going but I'll be on call then!
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CarolinaKat
Junior Associate
Joined: Dec 21, 2010 16:10:37 GMT -5
Posts: 6,364
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Post by CarolinaKat on Jun 16, 2011 13:56:00 GMT -5
I'm afraid if i post my budget it won't make much sense It makes sense in my head and in my excel, but due to the recent expense sharing/division aagreement with DBF it looks pretty whacky. I'm having a hard time dealing with it honestly. Maybe once it has a more settled approach.....
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Wisconsin Beth
Distinguished Associate
No, we don't walk away. But when we're holding on to something precious, we run.
Joined: Dec 20, 2010 11:59:36 GMT -5
Posts: 30,626
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Post by Wisconsin Beth on Jun 16, 2011 13:56:26 GMT -5
I don't do a cash flow style budget like the spreadsheet you are working with, but I do leave a buffer of around $1500 in my checking account to cover cash flow issues. When it gets too much above that amount I transfer it out to other accounts. Are you looking for comments on the numbers that were input into the spreadsheet linked on page 4 or are you working on an offline one? I was hesitant to post my budget but I did it last month because I felt bad about the beating that Mrs. Dinero was taking over hers. Everyone was actually very nice to me and there were no nasty comments. Because you arent teetering on the edge of financial disaster. I'm working on it offline. I didn't think I was teetering on the brink of financial disaster but that was before I started this project...
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Sum Dum Gai
Senior Associate
Joined: Aug 15, 2011 15:39:24 GMT -5
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Post by Sum Dum Gai on Jun 16, 2011 14:00:15 GMT -5
I'd love a dataplan on my phone but we can't justify it. I keep hoping work will give me one, then going but I'll be on call then! Yep, I've been avoiding getting a work Crackberry for over two years now. On the one hand you get a company paid data plan, but on the other, you're now reachable all the time. They don't come right out and say that you need to be checking and answering work emails outside of work, but people notice if you're "unresponsive" to client requests without really noticing that those requests originated an hour after you left the office. Not that I don't get calls on my personal cell now and then, but they know they're calling my personal line so it happens very infrequently.
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Wisconsin Beth
Distinguished Associate
No, we don't walk away. But when we're holding on to something precious, we run.
Joined: Dec 20, 2010 11:59:36 GMT -5
Posts: 30,626
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Post by Wisconsin Beth on Jun 16, 2011 14:09:29 GMT -5
Yeah, I was rounding up when I was adding up stuff from the tracking
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Wisconsin Beth
Distinguished Associate
No, we don't walk away. But when we're holding on to something precious, we run.
Joined: Dec 20, 2010 11:59:36 GMT -5
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Post by Wisconsin Beth on Jun 16, 2011 14:16:21 GMT -5
I'd love a dataplan on my phone but we can't justify it. I keep hoping work will give me one, then going but I'll be on call then! Yep, I've been avoiding getting a work Crackberry for over two years now. On the one hand you get a company paid data plan, but on the other, you're now reachable all the time. They don't come right out and say that you need to be checking and answering work emails outside of work, but people notice if you're "unresponsive" to client requests without really noticing that those requests originated an hour after you left the office. Not that I don't get calls on my personal cell now and then, but they know they're calling my personal line so it happens very infrequently. Yeah, I have to check in on weekends but that's tunneling in from a laptop.
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suesinfl
Senior Member
Joined: Jun 9, 2011 18:02:27 GMT -5
Posts: 2,765
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Post by suesinfl on Jun 16, 2011 20:28:47 GMT -5
...:::"Of course i keep a spreadsheet and track all our expenses in a spreadsheet. thats why I said i was working on may and junes budget. I base it on the min we will bring home that month, and its all expenses from our net income. I have been using the same spreadsheet for years. I only look at the monthly expenses for the current month. It does show on a yearly sheet once the expenses are on the sheet for the month.":::...
But then I read this and wondered why it took a cumulative 100+ pages and 3 months for this little nugget to come out.
I can't believe that you would not disclose this info at the start.
Wwbg- you never asked Jesus Christ, are you joking?! Doxie, post 83 was kinda rude. My southern manners dictate that when someone is putting a lot of effort into trying to help me, I don't give them flip one-liners.Uh... yeah. I know we all enjoy hashing this stuff over, but do you honestly believe that WWBG has nothing better to do with his time than help you when you make it so difficult? Were you to engage a professional financial planner, you'd be paying THOUSANDS OF DOLLARS for the great advice which you are getting for free. Do you not get that? I honestly can't believe you, Dox. Maybe you were trying to be funny or something? Wow.
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skubikky
Senior Member
Joined: Dec 20, 2010 7:37:12 GMT -5
Posts: 3,044
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Post by skubikky on Jun 17, 2011 6:35:39 GMT -5
Sometimes one might argue and debate and make it appear as if they're ignoring the advice being given, but in actuality take some of it to heart and use it.
ETA: Read through some of Doxie's latest comments. Basically it seems that she's unwilling to plan for more than the current month. Putting aside money is beyond her capability as she doesn't have the self discipline to leave it for it's intended purpose.
Self-control.....She doesn't need a spreadsheet...she has one. WWBG and everyone else have made some excellent suggestions.
I suspect that our dear Wisconsin Beth might benefit more from the effort of a spreadsheet/budget analysis than Doxie has.
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Wisconsin Beth
Distinguished Associate
No, we don't walk away. But when we're holding on to something precious, we run.
Joined: Dec 20, 2010 11:59:36 GMT -5
Posts: 30,626
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Post by Wisconsin Beth on Jun 17, 2011 8:10:10 GMT -5
lol skubikky, at least I've got my budget is a form that's easier to read now, that's to sroo's spreadsheet. I forwarded my attempts to DH but I don't think he's had a chance to look at them yet. He's getting slammed at work and Lord knows that we don't sit down to talk much about the finances.
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