Organizing money things
Alisande's question on being overwhelmed, and the discussion about it, hit home with me. My big Linch-Pin right now is needing to find the extra money to get things done. One way to get $300 extra a year would be to use our cash-back rewards credit card for groceries and gas. But I have a terrible time keeping track of what I'm spending, and what I *can* spend.
We just had to do a balance transfer to a 0% card, and I don't want to start up using the rewards card again until I figure out a better tracking system.
I went back and looked at what I'd charged, and hardly any of it was impulse purchases. It was mostly just basic stuff.
Things seems to work ok if I use all cash and debit card. Or if I could do absolutely everything on the credit card. But I can't--there's always a certain amount of cash I need for little things, and places that take cash only. I can't seem to coordinate the two kinds of "money" so I don't overspend. I think maybe if I meant to spend $80 on groceries it was just hard to remember I already spent $20 in cash so I needed to limit the cc purchase to $60.
For now, I'm using categories in Quicken again and not using the cc; just wondered (again) how other people managed this. Notebook in purse? Check register? Index card? Some kind of techie reminder system?