Sunday, November 30, 2008

I like to budget?

It's been a little while since I really (needed to) sat down and did a budget for our family. The truth is, I like doing it. It's exactly like how I used to sit down with the various degree programs I was interested in and plan things out. I would look at; what classes I would take, when they were available, which were pre-requisites for other courses, etc. Who needs an advisor right? I would plan everything out, and examine the results ( I was reading a horoscope thing recently that said Leos like to be extremely organized. Can you tell??).

I am perfectly happy sitting down and crunching the numbers myself on a piece of paper, especially since we don't really have investments or anything very difficult for me to deal with at this point. This time though, I knew I wanted to do some things like a debt reduction plan (this move was pricey y'all), and I didn't want to do THAT on a piece of paper. Jenna showed me the budget sheets she uses with excel. So I came home and was was all prepared to find some good excel templates when I remembered this little thing called Microsoft Money.

Now I haven't used Microsoft Money since 2005, when I got all good at it while Bill was in Iraq. But I dusted it off (figure of speech, it's already on my computer) and started a new file for the coming year. Starting today. It was great because I plugged in all my numbers and it keeps track of when all the bills are due, when your paychecks are. It has a cash flow graph, a place for savings goals, AND a debt management plan - all of which I took advantage of. Supposedly, even with all those crazy bill's we have we might actually have some MONEY at the end of 2009 - or so my cash flow tells me.

Good, because we have several other goals. Like paying off those pesky student loans. Or a PlayStation 3 (which I consent to based on it's DVD/Blu-Ray capabilities). Or you know my computer was purchased in 2003, don't you?

1 comment:

  1. I love to budget too. I wish I had gone into accounting now instead of Social Work. I have never heard of Microsoft Money sounds cool I will have to look into it, i just ise excel for ours.
    Isn't it nice to actually have money to budget with, not that any of us have anymore than we used..gotta love those pesky Student loans, lol.

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