I used to use an Excel spreadsheet. I would continue to do so but my wife can't follow a budget to save her life so I gave up. But I imported the data from my banks website, in CSV format or whatever and rigged the spreadsheet to round up all the values to the nearest dollar on withdrawals (=ROUNDUP(E10,0.2)) and down to the nearest dollar on deposits (=ROUNDDOWN(E10,0.2)). This is similar to what Wachovia or whoever is doing now. I also am going to set up a SHIT fund (Shit Happens In Time) for emergencies.

3/7/2007 7:19:01 AM

Why do you round the values?

3/7/2007 8:41:21 AM

I round it up to hide money from myself. I go by my Excel sheet, not the bank statements, so I usually have $50-$100 more in my bank than I think.

Every once in a while, I'll dump the difference into my savings account.

[Edited on April 3, 2007 at 10:07 PM. Reason : asdfasd]

4/3/2007 10:06:46 PM

To hide it from yourself?

Are you afraid you will go out and spend it all on cracker jacks and baseball cards?

4/3/2007 10:11:07 PM

oh man, i LOVE cracker jacks

4/3/2007 10:46:14 PM