Comments on: Discretionary Spending & The Spending Journal

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By: Budget Speadsheet - A Simple Family Solution

Budget Speadsheet - A Simple Family Solution — Mon, 14 Dec 2009 19:26:20 +0000

[...] exact and based on actual hard numbers. To better keep track of what you spend consider keeping a spending journal – we do – it is an essential way to track discretionary [...]

By: Pay Off Debt - The Hybrid Debt Snowball and High Interest Solution | Debt Free Adventure!

Tue, 10 Nov 2009 09:55:34 +0000

[...] implemented the cash envelope system – We are using this in tandem with our Spending Journals and absolutely love it. I found unabashedly that understanding how well this curbs spending [...]

By: Monthly Debt Reduction & Savings Statement for Aug, Sept, & October 2009 - 3 in 1 Edition | Debt Free Adventure!

Thu, 05 Nov 2009 09:31:22 +0000

[...] are using a blended effort of spending journals and the envelope system to monitor spending and keep it within the budgeted amounts. How to on [...]

By: Matt Jabs

Matt Jabs — Mon, 26 Oct 2009 21:36:45 +0000

You’re right… they serve different purposes. And used together they will work to bring all of us to a level of higher accountability.

Isn’t it so exciting to gain more control over money?

By: Amy

Amy — Mon, 26 Oct 2009 21:01:12 +0000

I think the spending journal and the envelope system serve different purposes. The first lets you see where your money is going and the second is a budgeting system to limit what you spend in different categories. As I said earlier I have been using spending journal for Oct, and it has been a real eyeopener. But I haven;t tried to limit my spending in any way. I am now thinking, that based on the information revealed by my spending journal, to start an envelope system for some things.
Great to hear everyone;s ideas.

By: Quicken 2010 Home and Business Review

Quicken 2010 Home and Business Review — Fri, 23 Oct 2009 11:53:32 +0000

[...] thought for lunch, but the amounts are still within my budget. I think if you are having difficulty keeping a spending journal, this can help a [...]

By: Matt Jabs

Matt Jabs — Thu, 22 Oct 2009 18:59:53 +0000

Ha ha… that’s ironic Sean, cuz my wife and I used to use Mint and our online banking to track our spending but it just simply did not work for us, although it did get us started down the right track!

At the end of the day, each of us has to do what works for our situation… as long as we do something!

Thanks for visiting, and for the kind words… I appreciate it. Cheers man!

By: Sean

Sean — Thu, 22 Oct 2009 17:03:53 +0000

Matt,

A spending journal is a fantastic idea. I used something similar for awhile, but then over time found that mint.com was the best way for me to track my expenses. While some personal finances gurus out there will tell you to stay away from credit cards, I have found mine to be the best way of tracking expenses.

I put everything on one card, and allow Mint to track and categorize everything. From there I pay it off every month (that is the most important part to this system of tracking, obviously). But it has worked out really well thus far.

This is my first visit to your site, and I gotta say I am really impressed. Keep up all the good work, and looking forward to reading more in the future!

By: Matt Jabs

Matt Jabs — Thu, 22 Oct 2009 15:10:59 +0000

I obviously agree Austin… I think the biggest “barriers to entry” for this simple concept taking hold is that most people think it is a pain to keep a spending journal when in actuality it is super easy. I have yet to have someone who started doing it tell me it was hard.

Way to go man, congrats on your success… keep it up!

By: Matt Jabs

Matt Jabs — Thu, 22 Oct 2009 15:07:18 +0000

Hey Kenyan: What are your other more effective ways? Also… if you can carry an iPhone around why can’t you carry a spending journal?

By: Austin

Austin — Thu, 22 Oct 2009 09:26:25 +0000

This tip was the single best change I ever made to my finances. After even 2 weeks of keeping track I was blown away by how much money I was spending on the $5-10 purchases and how much it was adding up to be.

Try it for a week, at least, and you’ll see the numbers and want to make a change in your life.

Great advice.

By: kenyantykoon

kenyantykoon — Thu, 22 Oct 2009 07:43:19 +0000

i cannot say that i have a spending journal because its not true but i have other more effective ways of keeping a check on spending. BTW i think that there is an iphone application that serves this purpose because its kinda hard for a man to carry a notebook and keep jotting away at it- women can men cannot .-= kenyantykoon´s last blog ..LIFE CYCLE FUNDS THAT SIMPLIFY RETIREMENT =-.

By: Matt Jabs

Matt Jabs — Thu, 22 Oct 2009 04:31:51 +0000

Sounds like you two have it under control pretty well. I guess I would say… it can’t hurt to try. Do it for one month and see what you think.

By: Heather

Heather — Thu, 22 Oct 2009 04:24:55 +0000

My husband and I recently started using a cash envelope system and it has definitely made a huge difference in our discretionary spending. I’m considering using a spending journal, but am not sure if it would be redundant given our current system. Prior to starting the envelopes we tracked our spending over the course of a month, then used that information along with our financial goal information to create our budget and make our envelope amounts. We don’t have a “misc” envelope, so prior to every purchase we have to know which envelope that money is going to come from. We have envelopes for each of our needs, our “want” purchases have to come out of our individual allowance envelope. I’ve found that I spend a lot less now that I have a set allowance for my personal use. Our envelopes are actually zipper pouches (purchased for pennies on clearance!) meant to be pencil cases, but they give us enough room to keep not only the money, but also the receipts to be gone through at the end of the month. The outside of each envelope has a white mailing label with the category on it, then inside has a mailing label with the dollar amount it receives each month. It’s working great for us and I’m excited about reaching our goals!

By: Matt Kelly

Matt Kelly — Wed, 21 Oct 2009 20:46:41 +0000

Matt, email me. I'd love to send you one of my cash envelope systems that I use with my clients for free. .-= Matt Kelly´s last blog ..Spending Journal Vs Cash Envelopes =-.

By: Matt Kelly

Matt Kelly — Wed, 21 Oct 2009 20:43:38 +0000

Robert, I agree that miscellaneous should not be a place for all things forgotten. The sample budget I use with clients has 103 budget items – most do not get used and it allows them to remember much of what might be forgotten.

For my wife and I our miscellaneous envelope has $125 per month in it.

Love Your Money of Your Life – the write it all down did not work for me, but assessing + or – what you got out of spending the money is fantastic.
.-= Matt Kelly´s last blog ..Spending Journal Vs Cash Envelopes =-.

By: Jason @ Redeeming Riches

Jason @ Redeeming Riches — Wed, 21 Oct 2009 20:28:55 +0000

Spending journals are very important especially when you are first starting out and trying to figure out where all that money went.

I just talked to someone today who wrote out what they thought was their expenses and subtracted it from their income – turns out they SHOULD have an extra $1,000 a month somewhere, but…they don’t know where it’s going. Spending Journal here they come!

My wife and I don’t do this nearly enough – we probably should and would probably be ashamed to admit that we spend a little too much on going out to eat! =)
.-= Jason @ Redeeming Riches´s last blog ..Why You Need a Larger View of Your Money (And So Do I)! =-.

By: Rex Huston

Rex Huston — Wed, 21 Oct 2009 20:18:51 +0000

A spending journal and paying in cash are the two most effective tools to realize how much money you are actually spending.
.-= Rex Huston´s last blog ..Thought of the day – 10/21/2009 =-.

By: Matt Jabs

Matt Jabs — Wed, 21 Oct 2009 19:26:43 +0000

Dining out was costing us $6,000/year before we became aware of our spending back in January 2009… crazy! Now we only eat out on special occasions – and now we appreciate it sooo much more, and are saving a ton.