How do you keep your household budget? Paper? Software? App?

  • Erstellt am 2015-03-31 15:08:41

Musketier

2015-04-02 09:52:10
  • #1
So for me, receipts from the supermarket fall under the category of groceries and drugstore items. Whether there are some socks or other odds and ends that have nothing to do with groceries included, I don’t care. What matters is whether there is anything left over in the end or not. I know exactly that we are now spending more at the supermarket. With salary increases and having a child, the consumption of groceries has also changed. You do buy somewhat higher quality items. But I don’t need to keep a household budget book for that.
 

Bieber0815

2015-04-02 10:09:11
  • #2
All right, understood! That's how we'll do it too, summarizing in categories (and there's certainly no universally satisfying solution, even if there are commonalities like "groceries").

Wow, either you work a lot or you commute a lot (or both) ... those are really long days :-(.
 

f-pNo

2015-04-02 10:13:09
  • #3


Exactly – the priorities lie with family and the house.
Without my job, we couldn’t afford the payments for the house. Even though my wife is going back to work after the parenting phases (hooray) and earns better than before (double hooray). Surely I could perhaps save 30 minutes per trip if I didn’t take the bus to work but drove a car. But then again I’d have to plan for additional costs of 450 euros (without extra wear on the car), which would jeopardize our home financing. Just as well if I looked for a job nearby – then 800 to 1,000 less would be on the positive side.
Oh, and building a house near my workplace would have easily made the total costs explode by 200,000 to 300,000.
The clear priorities are therefore job and family.



Well then – if before there had already been 1 or 2 times where things got rocky with a similarly phrased argument, it sticks in your mind.
Surely it was somewhat exaggerated – the thread in the meantime had rather taken on a humorous tone.
Despite everything, regardless, all the things that come up during the day (children and daycare, acquaintances/family, what’s coming up, what needs to be bought/dealt with, etc.) are discussed in the evening. You could perhaps try to pull out a bit from this – but the general life planning does want to be discussed (regardless of the fact that at this time I also do such nice things as: pay bills online, request quotes, handle important mail, inform myself about building/expansion topics, etc.).
 

f-pNo

2015-04-02 10:14:13
  • #4
Both .
 

Bauherren2014

2015-04-02 10:15:19
  • #5


I see it the same way. If we actually buy something bigger at the supermarket that has nothing to do with food or drugstore items (although this category is admittedly very small for us), I can still deduct it separately. In the end, the overview counts. And honestly: food is the thing I want to save the least on. Since we only buy "normal" things and go to the discount store, it doesn’t really matter to me whether I spent 10 or 20 € on sausage and meat. And if we want fresh rolls for the weekend, then we get some. The potential for saving, at least for us, lies in other categories.
 

ypg

2015-04-02 11:05:34
  • #6


That's right! A household budget book is supposed to provide an overview. Some things have to be handled individually. Where someone sees savings potential for themselves or their family is also individual. But then you can see that you buy sausage and meat for 100 a month and the diapers add up to so much.

I wish you all a happy Easter (I would book my purchase at Metro right away under the category holidays/gifts )

Best regards, Yvonne
 
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