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Old 02-09-2013, 04:56 PM   #41
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Thanks, all. Good food for thought here.
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Old 02-09-2013, 05:21 PM   #42
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I tracked my expenses very closely for many years before I retired and for a short while afterwards. I really didn't change my tracking categories once I started just to be sure I had consistency in my comparisons from year to year. To be honest, my lifestyle (things I spend money on) really haven't changed much in past 10 years (pre and post retirement) and the changes from year to year were amazing similar (after adjusting for inflation) so last year I quit tracking... I've got all the data and will probably sit down one day and spot check things in a few years (using the same categories) to see if the patterns are changing but for me it just became another spreadsheet to maintain every month that was just confirming what I already knew pretty well. But it took me 10 years or so of tracking to get comfortable with that.
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Old 02-10-2013, 11:33 AM   #43
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Location: St. Louis
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I just have an Excel spreadsheet that I type my monthly credit card expenses into to keep track. I have another spreadsheet tab for utilities.

My categories in Excel:

Medical/Health/Wellness (including haircuts)
Cash ATM withdrawals (for the occasional cash purchase)
Clothing
Home Remodeling/Upkeep
Durable Goods (long-term appliances)
Household Goods (little things like Coffee Makers, hair dryers, etc.)
Gas/Vehicle/Transportation (along with parking fees, etc.)
Groceries
Eating Out
Social/Entertainment
Activities (hobbies)
Relationships (still in the dating world )
Trips (transportation/lodging/meals)
Family (gifts, eating out with, etc.)
Friends
Job Expenses, Non-reimbursable (eating out lunch with, etc.)
Job Expenses, Reimbursable (I also enter the reimbursement checks to offset the charges and help keep track of whether I've received the reimbursement check yet)
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Old 02-10-2013, 12:21 PM   #44
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Join Date: May 2009
Posts: 7,376
Quote:
Originally Posted by MooreBonds
I just have an Excel spreadsheet that I type my monthly credit card expenses into to keep track. I have another spreadsheet tab for utilities.

My categories in Excel:

Medical/Health/Wellness (including haircuts)
Cash ATM withdrawals (for the occasional cash purchase)
Clothing
Home Remodeling/Upkeep
Durable Goods (long-term appliances)
Household Goods (little things like Coffee Makers, hair dryers, etc.)
Gas/Vehicle/Transportation (along with parking fees, etc.)
Groceries
Eating Out
Social/Entertainment
Activities (hobbies)
Relationships (still in the dating world )
Trips (transportation/lodging/meals)
Family (gifts, eating out with, etc.)
Friends
Job Expenses, Non-reimbursable (eating out lunch with, etc.)
Job Expenses, Reimbursable (I also enter the reimbursement checks to offset the charges and help keep track of whether I've received the reimbursement check yet)
MooreBonds you are in an enviable position concerning your budget. If times get tough, you can just simply remove the "s" from your relationships line item and expenses drop sharply. If times got worse you could move the relationship in with you, make her pay half, and all the sudden the "expense item" is moved over unto the income producing ledger.
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Old 02-10-2013, 12:56 PM   #45
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Location: New Orleans
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Quote:
Originally Posted by Mulligan View Post
MooreBonds you are in an enviable position concerning your budget. If times get tough, you can just simply remove the "s" from your relationships line item and expenses drop sharply. If times got worse you could move the relationship in with you, make her pay half, and all the sudden the "expense item" is moved over unto the income producing ledger.
Now, there's romance for you.
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