The Horrid B-word

That's right, budgeting. In the past I have attempted to record all my monetary transactions so that I'd be able to regulate my spending. This has worked... for a few weeks, and once as long as 6 months. Unfortunately it's time consuming and not really as helpful as it should be for the effort put in.

That said, in a few days I'm going to start again. This time it will be for a pre-set time(one month) and I will use that data documenting my new frugality as a starting point to set rules for myself that I can actually live with for 2-3 years. I figure that if I do this right, I can set most bills to automatic including transferring money to the savings account. That way only the non-automatic things like groceries, bus tickets, laundry, and cat litter will need to be paid by hand. I'll set myself a budget for those items and keep track of groceries as it's the only thing I can really chose to spend less on if needed.

I'm hoping that by making myself some easy to follow guidelines I won't have to stress about each and every transaction while still becoming a super-saver.