Working Poor

F4lconF16

(3,747 posts)

9. I liked the ballpark method the best before I built my own spreadsheet.

Tue Nov 10, 2015, 09:53 PM

Nov 2015

Idk if you read my reply about the virtual envelope method above, it's doable in a spreadsheet too.

I liked the paper budget and ball parking because it was so flexible. The big issue I have with it is that it's harder to keep track of spending, as well as for me I tended to spend more short-term.

Paper envelope has always been my favorite, though. It makes you think about the opportunity cost of buying that one thing you want.

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People forget how hard basic money management is when you're poor. (Advice thread?) [View all] F4lconF16 Nov 2015 OP

Going to put this in a reply because I don't want to be accused of advertising. F4lconF16 Nov 2015 #1

i'd never accuse you of advertising..unless you did :-) w0nderer Nov 2015 #5

When I was working, I always made sure my car was sound and had good tires. LiberalArkie Nov 2015 #2

Public transportation is a very hard option. F4lconF16 Nov 2015 #3

same here w0nderer Nov 2015 #6

No, but I did save your suggestions :) F4lconF16 Nov 2015 #8

:-) w0nderer Nov 2015 #11

Mmm looking forward to trying this... F4lconF16 Nov 2015 #14

Spreadsheets w0nderer Nov 2015 #4

Good post and topic. historylovr Nov 2015 #7

I liked the ballpark method the best before I built my own spreadsheet. F4lconF16 Nov 2015 #9

I saw that. historylovr Nov 2015 #10

Hi and welcome :-) N/T w0nderer Nov 2015 #12

Hi, and thanks. :) historylovr Nov 2015 #13