Do you "carry it with you"
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| Thu, 12-15-2005 - 9:59am |
Just curious if anyone else does this as we’re all focused on debt reduction…
I have a binder with printouts of spreadsheets, bills due, list of goals, disk with the spreadsheets on it, coupon organizer, lists, etc. Every dang day I carry this binder with me. It’s in my tote that goes with me daily so if I go to either of my jobs I carry it and then if an opportunity arises during the day for me to go over it I will. I update the spreadsheets, play with the numbers, check balances, add to lists, etc. I mess with this thing daily at work and at home.
One of my goals for the New Year is going to be to “not carry it with me”. Not only is a pain in the butt to lug it I really get myself down somedays focusing on it too much and stressing myself out beyond belief. It’s going to be hard to break this habit as I have carried this around with me for a couple of years now. My plan it to clean out the junk drawer in the kitchen and make it a debt/mini office drawer and I can go over it at home each night.
Anyone else carry it with them?

I carry a computer disk with me that details out what I owe, and my expected pay for the 9 years. (Yes I've planned out ahead that far) By then end of that I will completely out of debt and have 1 years worth of emergency fund saved.
It's by no means a perfect plan but it helps me plan and see where I'll be in the next few years. It's helping me keep focused on paying down my debt right now. I'll pry keep carrying it with me mainly because it keeps me focused. Once I get my debt paid down, I'll probably stop though.
Heather
I don't carry my Quicken info with me or have it on a home computer. My Dh keeps it on his own laptop that he carries with him. I input the information, balance the accounts, and then he carries that information around with him so he can look at it anytime he wants. We've done this since my debt secrets came out last December. I like it, though, because if I had the Quicken program at home, I'd be spending way too much time working with it and stressing over it.
I do, though, carry my budget (list of bills due, amounts, and money that I expect to have left over) for each paycheck through the end of January...so that's four weeks worth of paychecks right now. And every time I make a purchase with my debit card or checkbook, I record it, and then I sit in my car with my budget sheet and calculator and figure out how the numbers change. I know how much money I have available down to the penny. I've been doing this since I had my overdraft experience in July. It just makes me comfy and calm to know that I'm not going to get one of those little overdraft notices in my mailbox.
Pat
I don't "carry it with me", per se, though I do have a copy of the same spreadsheet on both my home computer and my work one. It's a list of income minus expenses equals X type thing. When I change or update something, I email a copy to the other computer (never even thought of putting it on a disc - duh!).
I like it though because it keeps me accountable. it doesn't depress me to look at it, because it actually helps me stay on track. I need a spending plan laid out including everything from regular bills to spending money for shampoo. It keeps me from overspending and ending up short (ie; falling back on the cc).
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I have everything in Excel and I don't carry anything around with me, but I do look at it almost every day and