Comments on: Found Note http://doyoudaveramsey.com/found-note/ Practical ◦ Entertaining ◦ Personal ◦ Finance Fri, 27 Jan 2012 23:45:02 -0600 http://wordpress.org/?v=2.8.6 hourly 1 By: Dave Ozment http://doyoudaveramsey.com/found-note/comment-page-1/#comment-981 Dave Ozment Tue, 11 Aug 2009 09:33:33 +0000 http://doyoudaveramsey.com/?p=1514#comment-981 Hey Sandy! I think having spending categories or buckets is a fine way to manage or track spending. You don't have to track everything to the exact penny but once a particular bucket is empty it stays that way till payday. Love the story about the shoes... I noticed frays in my dress shirt just yesterday. Normally I'd have tossed it in the trash or donation bin immediately but I actually viewed the frays as badges of honor... well earned wear and dollars saved everytime I wear it again. Dave Hey Sandy! I think having spending categories or buckets is a fine way to manage or track spending. You don’t have to track everything to the exact penny but once a particular bucket is empty it stays that way till payday.

Love the story about the shoes… I noticed frays in my dress shirt just yesterday. Normally I’d have tossed it in the trash or donation bin immediately but I actually viewed the frays as badges of honor… well earned wear and dollars saved everytime I wear it again.

Dave

]]> By: Sandy http://doyoudaveramsey.com/found-note/comment-page-1/#comment-980 Sandy Tue, 11 Aug 2009 06:32:05 +0000 http://doyoudaveramsey.com/?p=1514#comment-980 I can't track every single purchase anymore. In fact, I don't need to. I have a $20 budget for the week and most weeks I actually end the week with half of it. I know exactly what I'm buying and NOTHING gets purchased that it's absolutely necessary. I'm not ashamed to admit that I walked around with holes in my Payless shoes for one week because I knew the next week was BOGO. I can’t track every single purchase anymore. In fact, I don’t need to. I have a $20 budget for the week and most weeks I actually end the week with half of it. I know exactly what I’m buying and NOTHING gets purchased that it’s absolutely necessary. I’m not ashamed to admit that I walked around with holes in my Payless shoes for one week because I knew the next week was BOGO.

]]> By: chessiq http://doyoudaveramsey.com/found-note/comment-page-1/#comment-978 chessiq Mon, 10 Aug 2009 02:58:11 +0000 http://doyoudaveramsey.com/?p=1514#comment-978 First off, hats off to you for picking that note up, taking a picture of it, and blogging about it! Second, I too, I like to know where everything went, and why my spreadsheet does not tie to the online details. If I am off a few cents, I will export the csv file from online, sort the data to match my spreadsheet that tracks that particular account... and find the differences between the transactions... and almost always, I find the culprit. Usually me. A typo or a charge I didn't book. There have been times when the charge was from the bank or credit card company for something I didn't know about... and it makes my day ;-) GF has never understood why I would track something separately (and twice) if it's already available online. One of my many explanations is, you cannot trust the credit card company or the bank to do things that best affect your money. But the truth could be that I am ... just like you ;-) First off, hats off to you for picking that note up, taking a picture of it, and blogging about it!

Second, I too, I like to know where everything went, and why my spreadsheet does not tie to the online details. If I am off a few cents, I will export the csv file from online, sort the data to match my spreadsheet that tracks that particular account… and find the differences between the transactions… and almost always, I find the culprit. Usually me. A typo or a charge I didn’t book. There have been times when the charge was from the bank or credit card company for something I didn’t know about… and it makes my day ;-)

GF has never understood why I would track something separately (and twice) if it’s already available online. One of my many explanations is, you cannot trust the credit card company or the bank to do things that best affect your money. But the truth could be that I am … just like you ;-)

]]> By: JerryB http://doyoudaveramsey.com/found-note/comment-page-1/#comment-966 JerryB Fri, 07 Aug 2009 01:13:39 +0000 http://doyoudaveramsey.com/?p=1514#comment-966 I came up $6.00 short in my cash account for July. It's still driving me nutso trying to remember where I spent that money. Six bucks is about right for a fast food lunch, but where dang it? where?! I came up $6.00 short in my cash account for July. It’s still driving me nutso trying to remember where I spent that money. Six bucks is about right for a fast food lunch, but where dang it? where?!

]]> By: Dave Ozment http://doyoudaveramsey.com/found-note/comment-page-1/#comment-964 Dave Ozment Thu, 06 Aug 2009 01:31:59 +0000 http://doyoudaveramsey.com/?p=1514#comment-964 Hey Carmen, thanks for the comment... Yeah, I'm a nerd... I do balance my checking account to the penny and on-line access allows me to balance anytime I want to. I love it! Dave Hey Carmen, thanks for the comment… Yeah, I’m a nerd… I do balance my checking account to the penny and on-line access allows me to balance anytime I want to. I love it!

Dave

]]> By: carmen http://doyoudaveramsey.com/found-note/comment-page-1/#comment-963 carmen Wed, 05 Aug 2009 14:44:41 +0000 http://doyoudaveramsey.com/?p=1514#comment-963 In the 70's, the first job I had after high school was being a secretary to a man who demanded we all had to have our accounts correct down to the last penny before we could leave at night. While I am not that severe with my own accounts today, they still have to be within a dollar or it drives me nuts. Early habits and teachers do matter (and I am glad to see there are 1 or 2 more of you like this!!!). I thought I was the only one. In the 70’s, the first job I had after high school was being a secretary to a man who demanded we all had to have our accounts correct down to the last penny before we could leave at night. While I am not that severe with my own accounts today, they still have to be within a dollar or it drives me nuts. Early habits and teachers do matter (and I am glad to see there are 1 or 2 more of you like this!!!). I thought I was the only one.

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