Do you keep a notebook?

[violet]

Tracking finances is a good thing to do, with some saying that every cent should be accounted for. At various times I've kept a detailed notebook and am about to start doing it again. It not only provides a clear picture of spending patterns, it helps to make purchasing a conscious decision, rather than a grab now, think later process. I'm not in the latter category, but would like to be able to discuss with family members where our spending leaks are.

[braided-rug]

I have a large book. It lasts a really long time then I get another one. One page is for a fortnight or two weeks.

When I get a bill I write down the details. I used it once to find out our average amount of bills for the two weeks once and put that aside, but haven't done that so much lately, although I do average out some expenses.

[violet]

I'm writing down EVERYTHING in the notebook, Br, except bills which have their own big book. Every time I shop or buy milk and bread, or hand out another $7 in parking money or or or....I want all the little details for a couple of weeks at least. It makes it easier to organize a realistic budget for the next year. Also, to say no!

[lynn]

kinda sorta....we pay for everything using checks. We don't keep alot of cash on hand, it just too tempting for us to spend. So my dh keeps a very detailed book for expenses, checks numbers and amounts, etc.

[braided-rug]

I think I used to put in that kind of detail. I should be doing that with the grocery now to get a realistic picture of it. We go out for food usually a couple of extra times, ie out to the IGA for milk and soap powder.

This is the first time I haven't actually known how much groceries are costing me.

I try to keep the cash down too. Last night the girls washed the car for pocket money, then I have to promise to go to the bank and get the money out. I wish the atm gave out $10 notes, rather than $20.