Okay, so this goes back to what I keep asking myself . . . “Do I need this?” The answer, in this case, is a simple “No.”
My fiscal life is still quite simple:
1. I get paid
2. I deposit my paycheque
3. I pay what bills have to be paid
4. I gas up
5. I fund my wallets
6. I put whatever is left over into savings
7. I spend the next two weeks trying to spend as little as possible.
That’s it, that’s my fiscal cycle in a nutshell.
So, I don’t need a fancy accounting system, as I am still in my uber-stingy mode. The difference is that instead of paying off the banks, I am building up my savings.
I am still doing what I have been doing, yet I am doing it for myself rather than the banks.
So, all in all, while it would be nice to take a step towards the next phase of my journey, I don’t need to take that step just yet.
After all, I still have four more years before I will be ready to start that phase of my life (lotto win or crowdfunding campaign notwithstanding).
Seriously though, I just need to keep focussed on the now as I build my future. I can do that with my current cascading spreadsheet budgeter.
As always: Keep your head up, your attitude positive, and keep moving forward!