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>> No. 7814 Anonymous
24th December 2019
Tuesday 11:30 am
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Do you lads include your pension contributions when you calculate your savings?

I'm including them now, as at the moment I don't actually fucking have savings it simplifies my spreadsheet.
Expand all images.
>> No. 7815 Anonymous
24th December 2019
Tuesday 12:17 pm
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>>7814
When calculating my monthly budget, definitely.

https://www.youneedabudget.com
>> No. 7816 Anonymous
24th December 2019
Tuesday 12:54 pm
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No, you're supposed to be saving money on-top of your pension because ours won't ever be enough and it's not money you can redirect to other things. I don't see why it would simplify the process unless it's not coming direct out of your payslip.

Good to see the measly 3k I've managed to squirrel away this year still makes me the 1%

>>7815
I second YNAB but would recommend trying to find an old version back when it was just a one-time fee. Paying 15.99 a month to use budget software seems a bit ironic.
>> No. 7817 Anonymous
24th December 2019
Tuesday 1:45 pm
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>>7816
Yeah - good advice. I have a savings category in YNAB, and in there are my extra pension payments, ISA, kids ISAs, holiday/emergency fund etc.

I pay about $80/year for the subscription for YNAB - it's a little pricier than it used to be, but its just terrific and has really helped me over the past three years.
>> No. 7818 Anonymous
24th December 2019
Tuesday 2:17 pm
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Thanks for the recommendation lads but I've used Google sheets for the past five years, and it's linked into a lot of other aspects of my future plans.

I've made a note to separate out pensions, though. My next goal, of course, will be to actually create some savings, which will certainly happen in 2020.

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