$60,000 in Debt: Month 20

Friday, January 15, 2016

I'm sure I set some money related goals at the start of last year, but  I can't remember them and I'm too lazy to look back and find them.  I am going to make a really strong effort with 2016 money goals though.

The first, which I mentioned last week, was to set up a budget and track my spending.  I started with Mint.com, and I looked a little into YNAB (which many people rave about), but the tool I am most excited for is a spreadsheet.

It was a spreadsheet someone else made, but I've spent most of the last week in dork heaven making it all my own.  Once I have everything working the way I want it to I'll share it (because there must be other people out there as exited by spreadsheets as I am... Bueller?.... Bueller?).

I'll probably continue to use Mint to track my transactions, but this spreadsheet will help me track my income versus actual spending, debt payoff, and savings.

I also opened an online "high interest" saving account with Discover.  Now that I am building some savings it's been driving me crazy watching the money just sit in my credit union account and make a few pennies every month.  I moved everything I consider "house savings" into this other account and it'll be making .95% interest instead of the .15% it was getting in the original account.  It's nothing crazy, but as I put more money into that account it'll only grow larger. 


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