Change Habits For The New Year

It is almost the end of the year and it’s time to reflect back on 2020. What is the progress on your goals if you made any at the start of the year. Did the events during the year upset your plans? What impact did COVID have on you? Did you come out stronger? Learned something new that you never thought about earlier? Usually I reflect back around this time of the year and make note of my achievements and failures. The details of which will come out next year as usual in my year in review series. If you … Continue reading “Change Habits For The New Year”

Record Your Expenses

In my previous posts, you have seen my monthly and annual budgets. Now it is time I explained how I actually track and record my expenses, so I know how I am performing compared to the budgeted numbers. Most of our expenses are paid through debit cards. But in some cases, the vendor does not accept a card, in which case we use cash. We use two debit cards to make payments. Both cards are setup to send an email to me when any amount is debited from the bank. We make online payments or money transfers via NetBanking or … Continue reading “Record Your Expenses”