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LPT: Name your bank accounts with the amounts they need to balance out at the end of each month (+ overdraft) (lemmy.world)

submitted 3 weeks ago* (last edited 3 weeks ago) by cheese_greater@lemmy.world to c/adhd@lemmy.world

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This applies mostly to accounts you use to set aside for different expense areas creating an implicit metric you can look at the end of each month to determine how far off the mark things worked out
Once you get everything on schedule, build some redundancy to it by having an "overdraft" amount on each account that is added to the necessary monthly balance and always replenish it so it is available in a pinch.

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[–] cheese_greater@lemmy.world 1 points 3 weeks ago* (last edited 3 weeks ago) (1 children)

It only helps, there's not a downside other than seeing the objective truth of where things ended that month. Its more of a north star type thing

If I meet the amount, i succeeded and I get to save any excess and actually keep it more or less

If I dont, it comes out of savings so i dont get behind which is absolutely killer when I get in that cycle

[–] AddLemmus@lemmy.ml 4 points 3 weeks ago

Definitely a good approach, maybe for people like ourselves even more so. But for it to work with my chaotic finances, I'd probably need a business account and pay myself a regular wage. If I'd do things in such an orderly fashion, I'd probably not be here in the first place, and we'd never have met :-)