I hate the spending journal, hate it! Gail says you can't move forward in the process until you nail this - it takes discipline... I still hate it.
I hate remembering to ask for receipts, and then trying not to lose them. I hate that my notebook gets lost.
Enough of that...I need a bit of advice.
For those of you that use a spending journal, how do you build it into your daily habit? Right now, ours is sitting on the kitchen island, with a pen next to it. I try to remember, but when I walk in the door the first thing I'm doing is taking care of the dogs, loading/unloading the dishwasher, and setting up our lunches for the following day along with getting dinner started. The other part I'm struggling with is getting Jordan on board with using it too. He's really good at asking for receipts, but then he just hands them to me to deal with.
Okay - so I haven't actually asked him to do it himself, and normally the money management piece is all mine. So I should do that. Hah! Maybe he'll just read it here.
The other real question I have, is how to do you manage the journal when you're making a purchase from planned spending savings accounts. We bought some camping gear b/c we had saved some money for it, but it's not part of or normal day-to-day spending cash flow. Do I make and additional and then a subtraction? Same applies for using our vehicle/emergency fund. We had a few hiccups this past week and I'm not sure how to add and delete the same funds effectively. It seems silly.
We're not giving up, don't worry! Just need to start again. My march spending update is going to be mostly from a reconciliation of our day-to-day chequing account and credit cards - but that will be supplemented by the receipts we did keep.