Day Fifteen

So one of the things that I have always been good at has been the bills.  They get paid on time, I know exactly what's going on etc.  But lately I've let them slide.  Don't really know why.  Some times I miss the due date by a day so get the late charge, UGH!  


Since Bill has no idea where the money is going, when it needs to be paid or how much we owe on anything I realized that I am more unorganized with the budget than I thought.  After all if we are partners then we both need to have full knowledge of what is going on with OUR money.  (we consider anything either of us gets OUR money, not his and hers but ours.)  We always talk about everything before we purchase things but Bill asks me if we can afford it.  That should not be the way it is. 


So I dug through all my emails and low and behold there is one from Ryan. . . I knew it was there just hadn't done anything with it . . . from about two years ago???? It was a budget program that he had created for himself.  I pulled it up, got on a tutorial about how to use excell to get the formulas etc that I would need and prepared a budget program customized for us.  It's not perfect.  I have a few more things to do like learning more complex formulas to get what I want done.  But the basics are there and we can start to use it.  I think it will open up our eyes a little more to the ways we spend our money and find ways to cut back. 


Thanks Ryan for the template. . . although you won't recognize it when you see what I've done with it.