Mo Money

Thank you all for your comments, tweets, and emails about how you budget / don't budget. I'm still trying to figure out what will work for us but it's helpful to know that we're not the only ones who find it difficult. 

I started building a spreadsheet for us to track our spending over the next few months with a general outline of what our ideal budget will look like but I am totally interested in looking at your spreadsheets if you want to share (hillary2LspleaseATgmailDOTcom)

I think part of the reason I have a tough time with budgeting is that I constantly feel like I'm in debt because of our mortgage.  BC real estate is gross and we have a giant mortgage so even though we don't have other debt, I feel like we're always behind. I need to find a way to frame it differently. How do you think of your mortgage? Is it debt to you? Or do you think of it as a monthly living expense like your utility bill? 

Money Money Money

Money is a topic that makes me squirmy. I don't like talking about money. I don't like thinking about money. Money makes me feel dumb.

I am the child of a CGA. I have some post-secondary education in accounting. I feel like I know nothing about money.

Shawn and I don't have an official budget. Saying that out loud makes me feel like a failure. We watch our bank account. When we get a bit spendy we reign it in. When our account is flush we spend money gleefully. We have some retirement savings and Grady has an education fund. But we don't have a plan.

A few times per year I resolve to budget and be strict and be a damn grownup about money but it lasts for a week or two before I'm lost or annoyed.

I'm trying to cut myself some slack because life has been hectic and unpredictable lately but I don't want to cut myself too much slack. I want to use my shame and transform it into action. I want to budget. I want to feel financially savvy.

I need your help. What budgeting tools do you use? What money tricks do you have up your sleeve? How do you manage your dollars without feeling like a dope?