For a long time now my husband and I have kept track of our savings and spending using budgeting programs on our computer. We record pretty much every cent we spend so we know where the money is going.
Recently we bought a new Apple Mac Mini so our old software is no longer compatible. We downloaded and tried out a couple of free software programs but have not been to happy with the performance of these. I have been persevering with one anyway just so we can keep track of things as usual but after today we have decided that we really don’t need to do this any more.
There are two reasons for this. One is that we have now paid off our home loan so we don’t need to keep track. Nor do we need to keep track our spending so much either since not having a home loan means we have a lot more disposable income. But the best reason is that today when I was inputting and balancing our spending against the online banking statement I noticed that there was very little to keep track of any more.
The input went a bit like this…
groceries, groceries, groceries, groceries,auto (gas/petrol), groceries, groceries, groceries, groceries,auto (gas/petrol), groceries, groceries, groceries, groceries,auto (gas/petrol).
As you can see, we really don’t do a lot of shopping these days except to buy groceries or fill up the car and motorbike. The bit of cash that goes in my wallet usually goes on having coffee with friends, more groceries and hand outs to our son for school supplies and other incidentals.
Most other things we buy replace an old favourite, so there isn’t any clutter coming into our house to take the place of the stuff heading out the door. This is the key to staying decluttered and it also means we have more savings to spend on the things that are more important to us like:
- A nice meal out together occasionally
- Being able to get the car serviced without having to worry where the money is coming from
- If any unexpected medical expenses crop up we have nothing to worry about except our health
I am sure there are many more things but these are the few that jump into my head immediately.
With that accomplished the next target is to get my husband semi-retired by the time he turns fifty.
ITEM 184 OF 365 LESS THINGS