I am loving this system. I was spending so much money on going out to eat and snacking. We were trying to save but could have done better. I set up the envelope saving system on excel and have been tracking everything and also set up out budget on it. Husband has gotton on board by staying within the spending limit. Instead of gassing up our vehicles to full we are both only spending $30.00 each time we are on empty. Better way o keep expenses in line. We have also alloted money for each catagory which I had tried to do before but had really not kept track. My DH just goes along with whatever I want to do so that is great help. I started eating breakfast at holme a homemade muffin and glass of milk instead of buying my usual breakfast at Hardee's and a large coke. It feels good to know I am no longer wasting money. We also have a category for for gifts and entertainment, liquor, you name it, any money that we are spending now goes in a category. Now I can really track our non-food items which were a killer. Wish us luck.
Using excel for envelope system
October 8th, 2006 at 08:37 am