Good morning!!!!

[Thomas]

Mostly...wondering what was biking final milage for 2023.

 

[buckeyefarmer]

69°F and 0 rain. Looks another pretty day ahead

Got the mowing finished yesterday for this round. Always looks nice at this point.

Thanks for the budget app comments. I too have the old files with data going back years. Not in same detail as Dennis but have found them useful from time to time. Think I have found 3 or 4 apps I need to check out further. All but 1 have a free trial period of 1-2 months. 1 also has a demo file. Need to determine a sensible approach as maintaining a full blown budget for each for a month or two sounds like work.

No plans for the day. Just take it as it comes.

Prayers for all
Be safe
Have a great day

i don't really budget per se, but I keep track of my spending and kind of know when i'm spending too much. I don't have a set amount per category each month i'm trying to hit, but I do like to compare year to year, etc.. It's taken many years to come up with categories that suit me.

 

[buckeyefarmer]

Yup, DIL also referenced. Currently #3 on my shortlist.
My current, still to be explored thought are limitations and seems more manually intensive. Maybe OK for the kids, but not what I want for Sophie.
So far Copilot Money and Monarch are prime contenders. Look like they do everything in YNAB plus.

Find in interesting, but not surprising that so many of us use spreadsheets. One of my evaluation criteria is ability to import/export CSV files.

Going back to Visicalc days I just had a hard time getting my head around mixing Letters and Numbers in same file other than text, then it finally clicked, each of those little cells is independent until you create a relationship. I even taught a few Lotus 123 classes back in my Army days.

Wish I knew of a method to auto import Bank data into my spreadsheets.

Most of my son's work is writing programs to import spreadsheet data and making nice fancy web pages from the data. He calls it Data Wrangling.

 

[Buppies]

More than likely had chauffeur license for years got it when I was 18 or 19 I think

I imagine they do Drew something sure did shut it down sometime last night, house up to 67

 

[Thomas]

14F partly cloudy.

Busy day of snow removal trip to town,getting ready for the cold snap creeping in tomorrow afternoon.

Plans for the evening nope can't think of anything I want to do but feet up BIG ole slice banana bread with coating of butter.

Enjoy your evening all.

 

[sodamo]

Well...Excel macro or a free database program...MS Access....

Appears Excel uses Plaid to import, which is great except the subscription for Excel. Might just as well pay subscription of already written app.

Looking to avoid manual import as I doubt the kids would and I know Sophie won’t.

 

[sodamo]

i don't really budget per se, but I keep track of my spending and kind of know when i'm spending too much. I don't have a set amount per category each month i'm trying to hit, but I do like to compare year to year, etc.. It's taken many years to come up with categories that suit me.

Same here. Guess that’s a benefit of finally reaching point where month ends ahead of the money. Pre pandemic I was on a kick of following food, groceries vs eating out. Was interesting to look back to see where we had eaten or how long since we had been to a particular restaurant.

The kids actually, still need a budget. They expanded the still have checks = still have money to credit card not declined = still have money and severely over extended themselves. When asked what they had to show for it they couldn’t identify anything. Currently scheduled to be debt free, except mortgage by Mar. Need to transition them this year to a savings focus while staying out of debt. Kinda see it as something we must have missed in early parenting so having to make up for it now. As a young adult I never had a credit card like today. Closest thing was a store or gas card. I remember going to Sears back in 92 to payoff balance early and the girl gave me a hard time, tried to talk me into just making the payments.
Times change.

 

[LS Tractor Owner]

Ok, another step done.... got the shelf brackets installed. Cut the shelves to length, sanding will commence tomorrow. Then stain will follow. Probably won't get to install until Thursday----
Wifey doesn't like the overpowering smell of the stain.... 24 hours later, it's not bad at all.

Here's a couple of pics of the brackets. Couldn't get both walls in the frame at the same time. I'm hoping the span over the windows will be ok.... pushing almost 4'. Not really any weight will be on them.



The shelves will wrap 3 sides of the room.

Put some burgers and beer battered fries out on grill..... hit the spot for sure. But, now too stuffed to do any more work....

 

[sodamo]

Most of my son's work is writing programs to import spreadsheet data and making nice fancy web pages from the data. He calls it Data Wrangling.

Back in my Army comptroller days I had responsibility for Programming, but in this instance it meant forecasting budget requirements for future years 1,2, 3, 5, and beyond depending on the color of money. Basically what that means it certainly funds are restricted to be spent on specific items related to specific functions,ie a certain program might pay manpower for certain positions or pay development of certain functions or equipment but not others. Anyway we had one intelligence program that 1 year all was in a massive Excel file (Mac as windows excel hadn’t been invented yet). Just to operate the program (and not break it) was a massive learning curve. The finished product was awesome. Of course that program was written only for that money, non of the others. Fun days

 

[LS Tractor Owner]

David, I don't think you missed anything parenting.... Out of our 3, one is very financially stable. He is the one with the LEAST amount of guidance.

The middle one ended up almost broke, (we think mainly because of his ex), but has turned his finances a full 180°, now having more money and less debt than we do! All done over 2 years (Since his divorce).

Still trying to get #3 on a budget.... multiple times. Lasts a few months, then back to old habits. Don't know what else to do. They dug out once before about 10 years ago... then fell right back into the hole..... I am guessing they will need a rude awakening some day......