Ok so this is not my strong point :) Basically from day 1 of our marriage we regularly sit down and look at how much we bring in, what we need to pay (diapers, heat, rent) and then allocate the rest to various categories. As things change we adjust. We have categories for everything possible even saving for Christmas or car repairs or anniversary trips :) We have a running budget on excel that we have used and then in theory we just enter in under each category how much we spend and where we spent it. There has never been a time when things haven’t been really tight so out of necessity we try to keep within the budget for each category. In our budget you can see where everything goes even our giving. Not very exciting but it seems to work for us!
I love Excel October 9, 2009