I need tips!
How would I organize this? Put a set amount in an envelope weekly or monthly? Open a new savings account?
How would I determine the amount? A set dollar amount? Whatever we save by reducing other expenses?
Our income varies each month. Our income is mostly cash and personal checks for small amounts, and it trickles in throughout the month. We *always* have cash, but somehow never have "extra", kwim?
We have money in savings, but dp won't touch it, especially for something for himself. We don't have any debt, and only use credit for online bill paying, and pay it all every month. We don't seem to spend much that isn't necessary, but I've never really tracked it for even 1 month
There are so many things we'd love to have, some more important than others. I'd say the most important are ones that could improve dp's online business (camcorder, laptop, stuff like that). I keep telling dp that these expenses would pay for themselves (as well as being able to write them off), but he won't spend the money.
After that, would probably be improving the look of his teaching space in our house (paint, carpet, shelving to organize, etc).
Lastly, stuff that would make our living space more enjoyable. Redecorating stuff, mostly- like ugly curtains that don't look like hand-me-downs from grandparents (which they are).
How would I organize this? Put a set amount in an envelope weekly or monthly? Open a new savings account?
How would I determine the amount? A set dollar amount? Whatever we save by reducing other expenses?
Our income varies each month. Our income is mostly cash and personal checks for small amounts, and it trickles in throughout the month. We *always* have cash, but somehow never have "extra", kwim?
We have money in savings, but dp won't touch it, especially for something for himself. We don't have any debt, and only use credit for online bill paying, and pay it all every month. We don't seem to spend much that isn't necessary, but I've never really tracked it for even 1 month
There are so many things we'd love to have, some more important than others. I'd say the most important are ones that could improve dp's online business (camcorder, laptop, stuff like that). I keep telling dp that these expenses would pay for themselves (as well as being able to write them off), but he won't spend the money.
After that, would probably be improving the look of his teaching space in our house (paint, carpet, shelving to organize, etc).
Lastly, stuff that would make our living space more enjoyable. Redecorating stuff, mostly- like ugly curtains that don't look like hand-me-downs from grandparents (which they are).
). I might allocate a minimum per month, but if its a good month, then add a bigger chunk. Figure out a percentage that you can work with.
