I'm normally good myself at keeping a handle on my money but with recent lifestyle changes I'm in a little bit of a muddle.
Not in terms of being skint but I get very anxious around this because of previously being skint!
So I like to be organised.
I have a spreadsheet that for last few years I use for my current account. But between the lifestyle changes and wanting to build/keep a good credit rating I'm now also using credit card (always paid off in full each month) and occasionally dipping into a savings account which is not for anything I'm really saving for just for using if necessary and to help me save where I can by not having the funds in my current account where it's physically easier to spend from (the savings account cannot be accessed except in person and by doing a transfer which there are several steps so it's not an instant thing which makes me consider doing so more - I hope that makes sense)
Where I'm stuck is keeping track of it all!
Is it better to have TOTAL amount on the main/usual spreadsheet or have separate spreadsheets and watch them all or have separate spreadsheets and link them somehow?
I've also only this year got a laptop to be able to DO spreadsheets properly I was previously doing on phone but this was super basic!!
And it's been a LONG time since I had a proper computer and I've forgotten loads of how to work things on technical side I'm relearning a lot!
So...those of you with multiple accounts how do you work it all?
I used to know this stuff I swear! I'm even getting in a muddle where I can't seem to cope with physical cash withdrawals from the current account or accounting for the cash in my purse within the spreadsheet.
Ironically I used to do this stuff as a job and my minds just gone blank!
I've tried googling and all I can find is super complicated stuff that's of no help at all I need a real idiots guide!
Can you guys help? I hope so