Budget

A budget is great. Set up a spreadsheet

to distribute income to each item needed.

Adjust the percentages until you get it fine tuned.

The problem is that it takes a lot of work.

I used to remember each bill and when it was due.

Age has taken a toll on memory.

They have database programs to track accounts payable,

but now I list each bill in a wordprocessor by the date:

/mm/dd/yy Name date-due account# $amount

When set to pay, change the forward slash to a backslash

\mm/dd/yy Name date-due account# $amount

When the payment clears the bank, put a period after the amount.

\mm/dd/yy Name date-due account# $amount.

Scan the list and see if everything has a backslash.

It works like a parity bit.

It helps to keep from forgetting to pay a bill.

Copy the list for an entire month and paste it below

then change the month on each item.

If something is due every three months

you can add it in even up to a year or more.

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