How the “No Forecasting Expenses” Thing is Going

Here is a quick update on my decision not to forecast in my budget.

So since I wrote this post about no longer forecasting expenses, I have had one try at budgeting without the spreadsheet.   I have to say that it was a bit of a difficult transition, that is, I really wanted to look at the spreadsheet.  I was worried that without the spreadsheet, I would forget about some category and fail to allocate money toward it.  I resisted the urge to look at the spreadsheet until I had budgeted all the money from that current paycheck, and then I allowed myself to look at it at the end, just to make sure that I hadn’t missed anything major.  It turns out, I hadn’t missed anything, and I was able to do my budgeting quite successfully without the spreadsheet.  To be clear, I am budgeting with the app called YNAB, which has my goals, my upcoming expenses, and my monthly data all plugged into it already, so I really didn’t need the spreadsheet, but it was still hard to let go.


So while I didn’t technically use the spreadsheet to budget this week per se, I still consulted it at the end.  The real challenge will be ditching it entirely, and functioning solely out of the YNAB budgeting software.  I will update later on how this goes. Wish me luck!

As always, thank you for reading,

Debt Dummy


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