Paper And Pencil Anyone?
I recently tried www.myspendingplan.com online to figure out where my money all went. Gosh! It took me about 3 hours to set it up, not to mention keeping it up in the future. So I finally gave up, pulled out an Excel Spreadsheet and did the same thing in about 30 minutes.
I even used pencil and paper before to figure out my monthly budget. It’s quick and convenient, but without a trace since I don’t have a habit to stack up random scratch paper.
At one point when I had tons of credit card debts, I used Notepad to list all of my credit card rates and my balances. I even set up a debt consolidation plan in the same text file. Believe it or not, I still use it to keep up with what’s going on.
Although I only spent about 2 hours on Microsoft Money due to its complexity, I heard enough complains about the tool and how hard to balance the books.
It almost occurs to me that the more complex the tool is, the less useful it is. How do you feel about this?
Matter of fact, MyMoneyBlog did a nice little survey and you can read about the results here. It seems that most people use Excel spreadsheets and a large chunk also use the fancy software like MS Money and Quicken.
For now, I think I am very happy to figure out the pluses and minuses using my spreadsheets, text files, paper and pencil.
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