The Retirement Thread

29 lurkers | 177 watchers
XB
XB
Jul 2022
4:25pm, 18 Jul 2022
14,823 posts
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XB
I use a free accounting software package to keep track of household expenditure and balance the books. Each month I try and convene a board meeting to discuss the month’s expenditure but Mrs XB isn’t interested.
Angus Clydesdale
Angus Clydesdale
Jul 2022
4:28pm, 18 Jul 2022
25,035 posts
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Angus Clydesdale
I just want to know why there's so much month left at the end of the money... ;)
GimmeMedals
GimmeMedals
Jul 2022
4:33pm, 18 Jul 2022
22,953 posts
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GimmeMedals
lol @ XB and AC :)
cathrobinson
cathrobinson
Jul 2022
8:21am, 19 Jul 2022
10,341 posts
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cathrobinson
I’ve used Microsoft Money for decades. All of my accounts, spending, etc. is tracked in there and I can see what’s coming up. It’s a bit of a pain to keep updated, and eventually it will stop working - MS have been trying to retire it for years - but it’s helped me a lot through leaner times, and budget on how much I can save now.
Sigh
Sigh
Jul 2022
8:43am, 19 Jul 2022
15,601 posts
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Sigh
I used to use Microsoft Money as well (and before that, a cash book - a habit learned from my Dad); but in these days where transactions usually clear accounts either the same day or within a couple of days, I now track the scheduled payments and use the live account to track monthly expenditure.

I actually have three bank accounts, two of which are pretty dormant; I'm planning on keeping the main one purely for DD's/SO's and then move the daily/weekly stuff into one of the others.
Velociraptor
Velociraptor
Jul 2022
8:49am, 19 Jul 2022
58,891 posts
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Velociraptor
I just add everything up once every few months. The current numbers look weak but I have to remember I was willing to retire with smaller numbers almost 4 years ago and the markets are just fluctuating.
Mandymoo
Mandymoo
Jul 2022
8:58am, 19 Jul 2022
14,788 posts
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Mandymoo
We have two accounts - one for DD's the other for living on what ever is left. Savings are all kept in premium bonds, isa's and savings accounts and dipped into when needed, which thankfully isn't that often. Mum has left me a little bit of money which will now boost the holiday fund pot.
Cerrertonia
Cerrertonia
Jul 2022
9:15am, 19 Jul 2022
17,016 posts
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Cerrertonia
I have a bit of paper which I update periodically which has details of bank accounts, pensions, ISAs, insurance policies etc. Not so much to keep track of how much there is, but in case something happens to me.
EvilPixie
EvilPixie
Jul 2022
9:20am, 19 Jul 2022
34,170 posts
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EvilPixie
all far too organised
my salary in 1 joint account and I do food birthdays etc
Mr Pix's salary into another joint account pays the bills and pensions
Savings get topped up monthly from his account plus mine every now and then
EvilPixie
EvilPixie
Jul 2022
9:20am, 19 Jul 2022
34,171 posts
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EvilPixie
which is very haphazard given we both worked in a bank!

About This Thread

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