No, I haven’t had to get a job to make ends meet following our reduction in income, but I am intending to revisit my spreadsheets and make them easier not only to complete, but also to understand.
We have found that by changing the way we shop, we can actually cut down on our food bill, and though the Slimming World sheet is groaning again with all the fruit I’m buying, I’ve discovered that frozen fruit is equally as good, no waste and unlikely to go off in the bowl.
It’s always a question of balance, and Hubby has often said my sheets appear so complicated, when to me they are quite straightforward, but I have to admit that with all the tweaking, revamping and modification of my budget analysis recently, even I found it too long winded!
So my plan now is to update my housekeeping sheet for 2020 and tidy up the budget prognosis for 20/21. I calculate the figures a year ahead of where we are, so 2019/20 is already allocated and I am halfway through the 20/21 sheet forecast.
This actually works out pretty well because in theory, I only have to ‘cater’ for a year before retirement rather than two and a half.
However, I know that everything always looks brilliant on paper but trying to apply it in real life isn’t quite so easy!
And there I was thinking retirement would be relaxing and enjoying all that extra free time.
- Follow pensitivity101 on WordPress.com
- 469,598 hits
Red Letter Day is a work of fiction and copyrighted to Pensitivity101 as the author.
Unless otherwise stated, feel free to copy anything else of mine for personal use.
It would be nice if you linked back to my blog when doing so.
Not to be used by commercial sites or for advertising purposes.
Please note, my personal photographs and some graphics have owner copyright (further details from Google images where applicable).