tag:blogger.com,1999:blog-7073167998075190001.post8498357125090835049..comments2023-10-29T18:22:52.874+10:30Comments on Lightening: Tracking Spendinglighteninghttp://www.blogger.com/profile/13469704721683347931noreply@blogger.comBlogger5125tag:blogger.com,1999:blog-7073167998075190001.post-4000182292971557932007-10-28T22:06:00.000+10:302007-10-28T22:06:00.000+10:30L, I'm interested in your frugal aussies site.......L, I'm interested in your frugal aussies site....can't find it though. Can you help with directions. Is it Aussies Living Simply? LisaThe Tin Househttps://www.blogger.com/profile/03422547957232680227noreply@blogger.comtag:blogger.com,1999:blog-7073167998075190001.post-65438960140254800172007-08-08T22:12:00.000+09:302007-08-08T22:12:00.000+09:30Hey thats what librarians are there for - to help ...Hey thats what librarians are there for - to help you! Keep them in their job by asking for help! <BR/>Thanks for your help! LSAnonymousnoreply@blogger.comtag:blogger.com,1999:blog-7073167998075190001.post-53896735180507099222007-08-08T21:11:00.000+09:302007-08-08T21:11:00.000+09:30I keep my totals going for the entire 12 month per...I keep my totals going for the entire 12 month period. So if I get to the start of the next pay period and I still have $15.65 in my fruit and veg category then I would add $180 onto that and my new total would become $195.65 (which is a great incentive to come under budget - I know that I can come back and spend that money at a later time if I *need* to). <BR/><BR/>If I have finished the month in a negative figure than I actually have to subtract that amount from the next months figure. I don't juggle budget amounts through the year too much but accept negative figures if necessary - that way I know I need to adjust the budget the following year. I can get away with doing that now as we've built up a bit of a surplus/emergency fund which helps cover shortfall if necessary. Not that I've ever finished the year with an overall shortfall yet.<BR/><BR/>At the beginning of a new "budget" year (used to be Jan 1st but this year I've changed it to Feb 1st) I start with a fresh slate and a fresh book. Then I try to make the first month a "no spend challenge" month so that I can get a bit of a surplus happening in most categories.<BR/><BR/>As for the book Affluenza - no I haven't read it. I have read a couple of articles online by Clive Hamilton but haven't read his book. Sounds like I should add it to my "to read" list. Always hard here - I can get interlibrary loans but feel funny asking for them too often. :-)lighteninghttps://www.blogger.com/profile/13469704721683347931noreply@blogger.comtag:blogger.com,1999:blog-7073167998075190001.post-89982050874880140052007-08-08T19:14:00.000+09:302007-08-08T19:14:00.000+09:30Back again.. have you read the book "Affluenza : w...Back again.. have you read the book "Affluenza : when too much is never enough" by Clive Hamilton. This is an interesting and challenging read! <BR/>LSAnonymousnoreply@blogger.comtag:blogger.com,1999:blog-7073167998075190001.post-38448299687685656082007-08-08T18:58:00.000+09:302007-08-08T18:58:00.000+09:30That makes heaps of sense! I have always budgeted ...That makes heaps of sense! I have always budgeted daily (now on a money program but once in a book)but when I sometimes look at it, its hard to assess where we really are without doing fancy reports etc!By deducting your expenses your way you can see at a quick glance what you have left to spend if you need to. Do you keep a running total or start a new section each "pay period" or budgeting period?ie fortnightly, monthly etc ?<BR/>CAnt wait for your next installment! Ah ha! LSAnonymousnoreply@blogger.com