I admit I am a budget nerd to the extreme. This may have been the reason I picked the career path I chose, accounting. I just finished mailing all of May, 2012 bills, I was ill, so I did not get them mailed on the 1st of the month. I got them in the mail on the 8th of May, LATE in my book. Tonight, I started on June, 2012's budget and am happy to report it balances AND I am able to put a little more in savings, and this trend will only go up every month, savings amount I mean, until I have what I feel I should need in case of any emergency.
Some of you have heard and done the program by Dave Ramsey, I went and took my teen aged son with me. If you think I am tight with money, you have not met my ds. lol
I grew up with Depression Era Grandparents and Parents, so living well below your means was drummed into me all my life. I hammered the same message into my children.
Am I a freak of Nature? Or are there really other Mom's who keep track of all spending? I cannot be the only one who does this.
Please, please don't give me the excuse you have too little money to worry about a budget, I learned the hard way, that the less I made, the more control I needed over my meager funds to make the money last all month. I only get paid once a month, so on the first of the month, I write out all the checks, the process really begins in the last week of the prior month, to see what I did last month as a gauge of the next (or current) month.
I balance my checkbook on line at least three times a day. OCD for sure, but after working in the banking industry and knowing that I would be fired on the spot if I bounced a check, that has kept me on the straight and narrow path.
I keep my budgets on my Excel spread sheets and have budgets on disc format for at least 20 years. Before I got 'rich' and could afford a PC, I kept them on basic 12 column ledger paper, just like Grandma used!
You can stay anonymous, but please let me know that I am not the only woman who takes financial matters very, very seriously. Thanks.