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I also keep a "money notebook" - where I note things like expiry dates on insurances etc, end dates for various deals, and if things are sent off to claim back cashback for example, when this has been done. This means that should money due back to us from cashback offers or survey sites not materialise, I can chase it up knowing exactly when a claim was submitted. My iPhone comes in useful for setting reminders for getting insurance quotes, and for noting meter readings for the gas & electricity - I have a brilliant little free App (the majority of my apps are free versions!) which I can set to remind me of various things which is a godsend for one with a dodgy memory such as myself! (Mad isn't it, I can happily remember pretty much all the monthly outgoings from our joint account, and the renewal dates for various things, but ask me what I had for dinner last night and I will probably struggle!). There are a number of useful money-related apps out there - from those designed as a "spending diary" to help you keep track of the day to day frittering to others designed to show you the state of your bank account. Think carefully about their relevance to you, and whether you would actually put enough into them to make them worthwhile, before paying any money out though.
I check the bank accounts regularly - probably at least three times most weeks, particularly at busy times when lots of direct debits etc are scheduled to come out, and this means that I can see quickly if anything has come out that shouldn't, or that wasn't entirely expected, and move money around to cover any shortfall. when the Cash-back credit card statement arrives we go through it straight away, marking up each item as a joint expense (diesel, other travel costs, food and some spending on trips out etc) or to be paid from one or the other of our own accounts, or one of the savings "pots" (Car, Household etc). Money is then transferred back to the joint account in time for the Direct Debit to be taken. If I were to leave it until nearer the time that the payment is due I know full well it would get forgotten - doing it well ahead of time is the best way of avoiding bank charges!
|Todays Frugal day out to see these guys only cost diesel & £3 donation to the (free!) event!|