Friday, September 12, 2008

Budgets and Spreadsheets

It is kind of scary how much I like spreadsheets. I know this is very geeky to admit but accounting was my absolute favorite class in high school. I loved setting out all the paperwork and getting it all totaled up. It was like playing office, which I also loved doing when I was a kid. I wish I would have had more insight when I was in college. I thought briefly about going into business but didn't really pursue it. And who knows? Maybe I would have hated it. I don't think so, though. I still sometimes think about getting a degree in accounting. Maybe someday.

For now, I get to use my math skills and create spreadsheets at home. In the past week, I've created a spreadsheet to keep track of my rebates, a spreadsheet to keep track of how much I spend, and a spreadsheet to keep track of our savings account and the "mini-accounts" we have within it. It is so incredibly satisfying to see all those numbers in the right columns.

It is strange to me, then, that with all this love for numbers, I have trouble remembering to enter debits on our quicken program. It is strange to Josh as well. I'm tired of the overdraft fees and am going to try really hard to record every time I use the debit card. It also helps that we are using cash for a lot more things. I shouldn't have to use the debit card that often so hopefully the overdraft fees are a thing of the past.

We got a little more serious with our budget this past week and I'm really excited about it. I know, it's not cool to get excited about budgets. This is the real me though. We purchased some things from Dave Ramsey and feel like we're on the right track. We used his on-line budget software and told each dollar where it was going to go. Now we just have to make sure those dollars obey. Once I see the big picture, it's easier to stay focused and not start sliding back into old habits.

Oh, by the way, my new coupon binder is awesome. I used it on Wednesday at Meijer for the first time and absolutely loved it. I've got it organized and can easily flip through to see if I have a coupon for an item. Now to get that kitchen countertop cleaned off again . . .


Anonymous said...

Do you know if there are any budget guidelines or suggestions for people who get paid on commission? (This is your sister by the way. Maybe some day I will get an account...)

Angie said...

Oh, that was funny. I was nervous, wondering who my anonymous commenter was. :) Yes, he does have guidelines. I'll let you borrow the book and you can see what he says. He has a special budget form even, I think.