The most dangerous thing for my budget is not the comic shop, or new restaurants opening, or weekend trips to Chicago.
The most dangerous thing for my budget is spreadsheets.
I came to this realization as I was tinkering with my Bill Tracking spreadsheet. This is the first time I’ve had to pay all the bills for my living space by myself, so I had no idea the cost and I guessed high.
Now that I’ve got 9 months of data, I spent some time playing with it. Figuring out how much I could remove from the money I put aside for bills every paycheck and throw in with my long-term savings (which goes into a Certificate of Deposit).
Then I went to my Master Budget spreadsheet and lowered my bills amount appropriately.
Then I went to my bank account to transfer some money for something else, and went, “Oh, hell, I forgot to include my gym membership and water bills in the bills spreadsheet!”
So glad I caught that BEFORE tomorrow’s payday.
NEW RULE! Only allowed to mess around with the Master Budget spreadsheet every six weeks!