To wonder if anyone is as weird with their money?

[Ifonlywecouldhaveitall]

I will preface this by saying that although we are comfortable, we don't have a huge amount of money. Regardless, I have always loved sorting out the family money. Doing little calculations in my notebook, working out budgets, sorting money into different accounts. I make up all these weird money rules like how certain bits of money can only go in certain accounts, if I have 5.74 left over then 5 will go in one account and the 74p will be for another. I overpay the mortgage, even if just by a few pounds and pennies to round it down to an even number...I could go on, the list is endless.

Am I the only person like this? If you too are like this - what are your 'money rules'?

I have a spreadsheet for analysing our joint expenditure, and one for my own. Mine includes details of savings and investments, and a cash flow forecast going up to when I get state pension (later this year, woo hoo).

I wish I was this nerdy. Does anyone want to do this with my accounts?

I feel bad, I don't do any of this at all.
I spend more than I should, but am not extravagant.
It stems from years of poverty.

I check my online banking daily and have several different named accounts for different things. I borrowed nearly £800 from one account to lend to a close relative who hasn't paid it back. (Lesson learned). I could cover that money if needed from my emergencies account but have been 'paying it back' by transferring all the odd bits of money from the other accounts every day. I have 'paid back' almost £100 in 2 months without it really being too noticeable. It might sound silly but it feels like I haven't lost out now as itbhas been odd pence each time.
(Disclaimer: I realise I am financially ok to be able to do this, it hasn't been like this in the past, I have been a single parent on income support who was worried where the next food shop would come from).

I like spreadsheets. I have budgetted down to the last penny and if I update one bill the whole page updates with how much I have for any other bills.

I also have lists of accounts and what is in each account, who and what it's for and what I spent the money on like a bank statement.

Mumsie and Blunt I think there must be a lot like us because almost every time I go to the petrol station the previous sale is on a round number. My dad was with me once when I filled up and was as I was there ages trying to get it to a 5 or a 0. He looked at me like I was some kind of loon!

Yep, i'm neurotic about it all too.
It stems from growing up with totally feckless parents who were constantly in debt and fending off bailiffs.
DH has no interest in money at all and just pays his entire wages into our account. He lost his debit card a while ago and didn't ask for another so he literally has no clue what we have. If he wants money he just takes our one and only debit card and draws out cash.
We have no credit cards or debt because I wouldn't be able to sleep at night. Occasionally I will drag him to the computer and make him look at what we have saved.
I love the feeling of security that I have created for us.
DD has inherited my sense of caution with money, she had a great time at uni but didn't once go overdrawn.

Yes, I do work full time and have two young children but I can always find the time for this stuff. I just love it but I can never tell anyone in real life I'm sure DH looks at the accounts and wonders why there are so many odd transactions but I just can't admit to being so nerdy.

I have 3 different bank accounts.... Bill's.... normal money.... savings.... savings has to be a round number no pences in there.....spreadsheets with all the formulas so money in all bank accounts are correct and to see my debt I'm paying go down gradually.... never leave my normal money empty because you never know .... and yes I take my planning to whole new level and been known to text my mom to put 86p in my bank to make a round number 🤣😂🤣

Ok can someone please give me some tips as I'd liked to be more like this... my DH has been looking after the spreadsheet for a while but I'm gonna take over next month as I tend to do all the bills and generally remember things better then he does.

I've looked up the money wise app... and a few have come up, which one do I go for?

Not got any weird rules or anything, but I like to have a minimum amount in my current account at all times. Anything over that amount the night before payday gets transferred into my ISA. I did create a spreadsheet to track all my bills but I'm too lazy to fill it in.....

Oh this has brought back an embarrassing memory! Before online or telephone banking was a thing I used to phone my own branch whilst on my lunch break, usually on a monday, and get my balance, check that it tallied with what was in my head and then ask them to do loads of little transfers to round up my other accounts with pennies. i knew the staff in my branch and we used to have little chats while they were doing my transactions. Then a couple of them left and new staff started around the time when telephone banking became a thing and they wouldn’t do my transactions in the branch anymore. They kept redirecting me to the call centre I missed those little chats about what I was saving my pennies for!

@LaurieFairyCake

This is me! You've made me realise this fact.

I have an N26 account and that comes with sub accounts (spaces) which are basically little pots of money. I transfer pennies from one account to a sub account ear marked for holidays so my main account is always an odd number.

Another one of my sub accounts is called "no Costa." I use this one every day at work where I don't buy a Costa but use my jar of instant in my account. I "save" a tidy sum every week and it literally takes seconds to do in the app.

I have a spreadsheet with projections too.

Anorexia is a mental illness that destroys and ends lives. To use it as a flippant description of your financial habits is really shitty.

I have a note book and a budget and separate my money out into different online accounts for food, petrol, spending, yearly Bill's, household appliances, savings, birthdays, xmas, holidays. Tbh only we could survive without overspending.

I could really do with being more organised and love the idea of doing a spreadsheet etc. Could anyone please tell me where to start?

Most of it done by standing over when my wages and dh wages go in so needs little day to day management

You are all my people. All of my spending is on my credit card, but I transfer the same amounts from my current to a savings account. So at all times my savings account tallies with my credit card balance. Every now and then I get a whopping 36p interest, which I transfer into my general spending account.

I'm dazzling dinner party material!

If my balance ever hits exactly £77.77 I have to buy 77 lottery tickets and then eat them.

It's all comes from being in debt, clawing our way out of it by literally having nothing and desperate need not to get into the same hole

I love some of the ideas on this thread.

ILoveMaxiBondi

And I miss the slips you used to get out of the cash machine showing the last five transactions

In the days before phone and internet banking they made me very happy

Spreadsheet with multiple tabs and oodles of formulas and conditional formatting.

First for our 8 bank accounts - 3 joint (current, bills, savings), 1 dh's (with nothing in it), 4 ds (to max interest)
Second for our 4 ISA (2 mine, 1 dh, 1 ds)
Third for Share purchases for the company I work for
Fourth for breakdown of incomings and outgoings

Really need to consolidate some of the bank accounts.

In the days before phone and internet banking they made me very happy

yes!!