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The Walkman was all the rage

You can treat this article as an introduction to saving money. It’s a simple guide for people who struggle with keeping track of their expenses. If you’re already planning a home budget then you’re already one step further.

So, the New Year has come. Like every January, we all make tons of resolutions. Some of us want to get fit, some of us want to spend more time with family and some of us want to bring our personal finances into balance. Like every year, we struggle and often fail to keep this resolution.

2015 was a fabulous year for me. It was the year I finally managed to keep most of my resolutions. I started working out, got married and founded my own design studio. Last but not least I finally managed to gain control over my finances.

This last thing is one I’m the proudest of. I found it to be crucial if you want to move further and take control of your life. We live in the age of consumerism and there are temptations waiting around every corner.

What Did I Learn?

  • I was never good at keeping track of my expenses.
  • The reason was because I overcomplicated things.
  • Simplicity is key: you don’t need an elaborate Excel budget to start saving.

This last thing is one I’m the proudest of. I found it to be crucial if you want to move further and take control of your life. We live in the age of consumerism and there are temptations waiting around every corner.

We often don’t even realize how <span=”text-green”>much money we waste just because we don’t analyze our expenses. Believe me, you may be surprised how much money you’ve spent on mobile games or alcoholic drinks.

The Struggle

  1. I was never good at keeping track of my expenses.
  2. The reason was because I overcomplicated things.
  3. Simplicity is key: you don’t need an elaborate Excel budget to start saving.
The Walkman was all the rage | Vista Point Mortgage Created with Sketch.
I'm a busy person. When it comes to personal finances I need a tool that is fast and simple.

You know what? I agree. I’ve tried many different solutions before: smartphone apps, Excel, web applications, pen and paper. This hasn’t worked for me. At this point, I’ve realized that this “classical” budget-planning-centered approach won’t work for me. I didn’t have time to spend my evenings with a pen and paper or Excel tables.

The apps that were supposed to help me with my finances only left me confused. Bombarded by tons of dummy data and registration forms even before I got to the app itself.

Avtor photo: Markus Lin

I have to admit that understanding your spending patterns is essential to keeping your personal finances healthy. The majority of experts say that it is the first step. We’ll come back to the next step later, right now, let’s focus on this one.

Month PaymentsColor Final Payment Interest Total
6 $115.5 $129 0% $345
8 $115.5 $678 34% $9643
12 $115.5 $455 67% $678

Finance Table: Buy now later

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BILLS

This is where I put everything from mortgage information to T-mobile invoices. Simply all of the fixed expenses you can’t miss, the important ones. Your Netflix subscription goes in Entertainment. You won’t be able to make a cut here easily, but you may realize how much do you spend on your phone and switch to a cheaper contract.

You can treat this article as an introduction to saving money. It’s a simple guide for people who struggle with keeping track of their expenses.

You know what? I agree. I’ve tried many different solutions before: smartphone apps, Excel, web applications, pen and paper. This hasn’t worked for me. At this point, I’ve realized that this “classical” budget-planning-centered approach won’t work for me. I didn’t have time to spend my evenings with a pen and paper or Excel tables.

The apps that were supposed to help me with my finances only left me confused. Bombarded by tons of dummy data and registration forms even before I got to the app itself.

I know that this article is not rocket science but I believe that we often need someone to help us realize obvious things.

It doesn’t really matter if you use a web app, Excel or a pen and paper as long as you’re comfortable with it and you keep writing down your expenses.

You know what? I agree. I’ve tried many different solutions before: smartphone apps, Excel, web applications, pen and paper. This hasn’t worked for me. At this point, I’ve realized that this “classical” budget-planning-centered approach won’t work for me. I didn’t have time to spend my evenings with a pen and paper or Excel tables.

The apps that were supposed to help me with my finances only left me confused. Bombarded by tons of dummy data and registration forms even before I got to the app itself.

You know what? I agree. I’ve tried many different solutions before: smartphone apps, Excel, web applications, pen and paper. This hasn’t worked for me. At this point, I’ve realized that this “classical” budget-planning-centered approach won’t work for me. I didn’t have time to spend my evenings with a pen and paper or Excel tables.

The apps that were supposed to help me with my finances only left me confused. Bombarded by tons of dummy data and registration forms even before I got to the app itself.

You know what? I agree. I’ve tried many different solutions before: smartphone apps, Excel, web applications, pen and paper. This hasn’t worked for me. At this point, I’ve realized that this “classical” budget-planning-centered approach won’t work for me. I didn’t have time to spend my evenings with a pen and paper or Excel tables.

The apps that were supposed to help me with my finances only left me confused. Bombarded by tons of dummy data and registration forms even before I got to the app itself.

I know that this article is not rocket science but I believe that we often need someone to help us realize obvious things.

It doesn’t really matter if you use a web app, Excel or a pen and paper as long as you’re comfortable with it and you keep writing down your expenses.

Thank you for reading