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how do you know?

December 10th, 2006 at 06:23 am

Kicking around day. DH bought my Denny's lunch, I covered the tip. Then it was a haircut, and a cider because getting a haircut is so traumatic. Smile

Talked to a Mormon elder, who was all of 20. He was passing out hot chocolate and pamphets on the street corner of 85th and Greenwood. I accepted the hot chocolate and a chat. Weird to think that my little Seattle neighborhood is hotbed of religious fervor and we are the heathens.

Spending - 2.65$ tip + 15$ haircut + 3$ cider

Noticed that a number of bloggers are writing about if they budget and/or if they reconcile their accounts. I don't budget, but boy, I reconcile my checkbook (and all my other accounts) online every day.

I don't know about everybody else, but once upon a time I didn't do either, and my accounts showed it. I figure that to get somewhere financially, you have to know whether you are overspending. You can either do it at the beginning/end of the month, which is what a budget is, or you do it continuously, which is what reconciling your checkbook is.

My mind can only wrap around these two choices, but I figure there must be more. So I throw out this question - how do you know if you are overspending?

1 Responses to “how do you know?”

  1. contrary1 Says:
    1165801719

    I just know that I'm not overspending. Not sure how I know exactly, since I just don't do the numbers thing. Have only balanced my checkbook once, and that was by force, when I still lived at home.........with my mom doing the work and me just acting like I understood what the heck she was doing/asking me.

    I have a cushion of a number that I have always kept in my checking account. I've never gone into that cushion....... Now that I bank on line, I find I'm relaxing my attitude over the account, as I can see it anytime I want, all spelled out for me. Previously, I only had the monthly bank statement to read & compare to my total.

    But, bottom line........I've never overspent. Probably due to my almost allergic reaction to spending in general! Smile

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