You should budget, they all said.
You should keep a close eye on your money, they all said.
Read Gordon Ramsey’s book, they all said.
I mean, this is something that has been said to almost every person as soon as they get a bank account. Not necessarily Gordon Ramsey, but the other terms are pretty common. My bank is emailing me about them all the time.
“Meet with one of our Bankers today! Overhaul your finances!”
I tried doing that once and it turned out that they could not help me with anything, because I didn’t have nice enough credit.
…which would mean I need a financial overhaul?
Anyway, who cares.
It wasn’t until about a year ago that I started to really work on budgeting and balancing my checkbook using Excel.
It was something that the CFO of my old company used to have me do sometimes when she was too busy and then I though “Maybe I should do this in my own life.”
And so I started to and it did really help with budgeting and keeping track of how much money I have.
Better than any budgeting app that I have ever used.
My sister and brother-in-law make fun of me whenever I saw that I am going to balance my checkbook, but that’s okay. I don’t mind if I seem like a grandma.
However, the one downside to doing it this way is that a lot of times I will sit and look at my checkbook and budget for long periods of time.
I think this is similar to when you go to the fridge and just stare in it hoping to find something that you did not see before.
Since I am trying to get out of debt and have some big things I am saving for, I will just stare at my budget and checkbook for hours, looking over the different lines in it like I am suddenly going to see any money that I have missed in the previous hours.
This usually happens when I am at work doing something else like talking to a customer on the phone and I will be helping them, but looking at my budget.
I have taken a few steps back in my career, so I am definitely not going to suddenly find a bunch of money in my budget.
Even if I work an hour of overtime, by the time taxes are taken out, I will have like $5 more than I would have before.
But at the same time, I suppose it is not as bad as my coworkers who talk about video games for 8 hours a day, every single day.
Pick your poison.