ᐅ How do you keep track of your household budget? Paper-based, software, or an app?
Created on: 31 Mar 2015 15:08
S
starnight
Hello everyone,
I’m new here, although I’ve been reading occasionally for a while.
My husband and I are planning to buy a house within the next 1-2 years. We have equity saved, and we are currently putting aside a certain amount each month while still living comfortably. So right now, it seems quite feasible. However, we are actively planning a family at the moment... which means that eventually one income will be lost (fortunately the significantly lower one) and additional expenses will arise.
Now we would at least like to get a clear picture of our current monthly expenses. This would help us roughly estimate whether, with one income, there would still be enough left for mortgage payments, especially with an additional family member to support.
So my question is: how do you keep track of your household budget? Paper? Software? App? Online? What experiences have you had with the different methods?
Maybe your insights can save me from unnecessary trial and error.
Thanks in advance for your answers,
starnight
I’m new here, although I’ve been reading occasionally for a while.
My husband and I are planning to buy a house within the next 1-2 years. We have equity saved, and we are currently putting aside a certain amount each month while still living comfortably. So right now, it seems quite feasible. However, we are actively planning a family at the moment... which means that eventually one income will be lost (fortunately the significantly lower one) and additional expenses will arise.
Now we would at least like to get a clear picture of our current monthly expenses. This would help us roughly estimate whether, with one income, there would still be enough left for mortgage payments, especially with an additional family member to support.
So my question is: how do you keep track of your household budget? Paper? Software? App? Online? What experiences have you had with the different methods?
Maybe your insights can save me from unnecessary trial and error.
Thanks in advance for your answers,
starnight
Musketier schrieb:
Wasn’t the treadmill in front of the TV included in the house plans?With Schwörerhaus, you have the option to generate and feed electricity back into the grid using a stationary bike. However, I don’t think this will be enough to meet the 15% rule for renewable energy.
EveundGerd1 Apr 2015 21:58Hardly a day goes by without me being away, and already I’m in tears from laughing while reading.
I’m an accountant and I keep my household budget in a simple ledger. At the end of the month, I reconcile it with the bank account, and that’s it. However, I have a household account, a personal checking account (each of us has one for our personal expenses: I enjoy my hairdresser and beautician), and since the four of us are covered by private health insurance, there is also an account for that, otherwise it would be hard to keep track.
I love Excel spreadsheets because of my profession, but I only use them for managing our construction account.
Since my husband hasn’t suggested any changes so far and things are going well, I’ll continue to “be lazy” at home.
I’m an accountant and I keep my household budget in a simple ledger. At the end of the month, I reconcile it with the bank account, and that’s it. However, I have a household account, a personal checking account (each of us has one for our personal expenses: I enjoy my hairdresser and beautician), and since the four of us are covered by private health insurance, there is also an account for that, otherwise it would be hard to keep track.
I love Excel spreadsheets because of my profession, but I only use them for managing our construction account.
Since my husband hasn’t suggested any changes so far and things are going well, I’ll continue to “be lazy” at home.
Musketier schrieb:
Wasn’t the treadmill in front of the TV included in the house plan?Ah, now I remember what I forgot.
ypg schrieb:
With Schwörerhaus, you have the option to generate and feed your own electricity using a pedal generator. However, I don’t think this will be enough to meet the 15% renewable energy rule. They were built the wrong way – I believe I could reach Tour de France level within a year – and that without any supplements.
EveundGerd1 Apr 2015 22:51I can bring you our exercise bike, so I don’t have to use it myself.
f-pNo schrieb:
But built with the wrong approach – I’d reach Tour de France level within a year – and that without any special aids.Is it still possible to apply for KFW funding for the Plus-Energy House afterwards?
B
Bieber08152 Apr 2015 08:17ypg schrieb:
[Record every single item] You can, however, overdo it Um, yes, but surely every expense should be recorded. Otherwise, it doesn’t make any sense, right? How do you decide which expenses go into the household budget and which you leave out? Where do the small items add up?Anyway ... treadmill and stationary bike are obviously nonsense; real exercise happens outside.