tag:blogger.com,1999:blog-4018776856305219620.post5271195438046927232..comments2023-08-08T11:18:19.165-04:00Comments on Keeping Up With No One: Apple Pie ChartKathyhttp://www.blogger.com/profile/13487456316176375454noreply@blogger.comBlogger2125tag:blogger.com,1999:blog-4018776856305219620.post-67656889030692041282012-03-05T10:26:58.806-05:002012-03-05T10:26:58.806-05:00I have the PNC Virtual Wallet checking account, so...I have the PNC Virtual Wallet checking account, so it has a "spending tracker" that I can view daily/weekly/monthly spending catagories. It also has the option where you can set budget limits in each catagory as well. I do view it on a weekly (ish) basis, but I'm probably not utilizing its features to the fullest extent. Better get on that!Kathyhttps://www.blogger.com/profile/13487456316176375454noreply@blogger.comtag:blogger.com,1999:blog-4018776856305219620.post-29594784185699897222012-03-05T09:47:34.825-05:002012-03-05T09:47:34.825-05:00I'm attacking our student loan debt and our mo...I'm attacking our student loan debt and our mortgage using the snowball method. My student loans, his student loans, and the mortgage have inverse relationships between the balance and the interest rate, so we're going to pay extra toward my loans (lowest balance, highest interest rate), and when those are paid off, apply those payments as extra to his student loans (the middle balance and interest rate) and when his loans are paid off, pay a whole bunch extra on the mortgage (highest balance, lowest interest rate). <br /><br />I'm not sure that would be the best option for you (or us, for that matter!) in terms of saving on interest, but the satisfaction of paying something off faster is a big motivating factor. <br /><br />Oh, and I don't know if you track your actual spending, but I find that a BIG help is using an Excel spreadsheet to track each month's spending and income. I designed one that will automatically add up income, savings, and expenses for each month, with a separate tab that will track yearly totals. That last tab also has a sort of work sheet where you can work out a monthly budget. If you want, I could send it to you and you could tweak it yourself, or you could send me a list of your weekly/monthly/quarterly expenses and I could design it for you. Just let me know if you're interested! :-)Stephaniehttps://www.blogger.com/profile/15010899773028369679noreply@blogger.com