I created an excel spreadsheet and computed month by month and year by year exactly what I was spending money on. In addition, I also scanned each receipt and linked the file. I also split out separate sheets and downloaded my Mastercard statement to verify payments and a separate sheet for things relating to my car (my major expenditure). So every time I got a pay statement, I'd scan and then enter it in a plus column, and then subtract from a minus column. When you look at it like that, you factor it as a fraction of your paycheck, and then every purchase you make you think about entering it on the spreadsheet. It stopped me from making a lot of impulse buys.
Also, I created a +/- column for each month and watched my savings grow every day. It got to the point that I paid for eye surgery, but because I balanced my budget and saved, and split the payment over two months I was still on the plus side both months. It is an awesome feeling to get that disciplined.
Maybe something like that? It really, really helped me.
I have a huge excel spreadsheet that lists each week, my expenses for a variety of things, and my income. Then it tells me at the end of the week how much I'll have in the bank.
I can tell at a glance how much I spend on anything, and where I'm spending too much. It also gives me an idea on how much I'll have saved by the end of each month if I keep to the current budget.
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Also, I created a +/- column for each month and watched my savings grow every day. It got to the point that I paid for eye surgery, but because I balanced my budget and saved, and split the payment over two months I was still on the plus side both months. It is an awesome feeling to get that disciplined.
Maybe something like that? It really, really helped me.
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I can tell at a glance how much I spend on anything, and where I'm spending too much. It also gives me an idea on how much I'll have saved by the end of each month if I keep to the current budget.
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