Sep. 1st, 2012

Time Tips?

Sep. 1st, 2012 08:23 am
red_trillium: my inspiration or creative icon, a purple moon rise and Joshua tree (Night Sky and Joshua Tree)
[personal profile] red_trillium
Does anyone have any tips on how to regularly manage your bills/account but that doesn't take a ton of time?

Our situation: I work full time. I leave the house at 6am, get back at 6pm. I do over half to 3/4 the house work & about 1/3 to 1/2 the cooking usually. My wife has had an increase in her chronic pain levels which means I'm now doing at least 3/4 to all the house work, all the cooking and my usual work schedule & trying to help her with daily things she's having problems with. We're busy at work and going through some Big Changes so I'm also running on low energy so not a lot available. Fortunately we're only just heading into spring but that does mean the gardening is going to start back up, at the very least for our food plants and regular watering.

I've always had a bad bill habit--leaving things until we get paid each fortnight. I've been trying to get better but at this point can't do it as regularly as I'd like due to time and energy being low. As you can imagine this starts a viscous cycle of over spending, dipping into the (diminishing) savings and making me reluctant to face the bills.

How do you stay on top of your bills and balancing your account regularly? Do you do it once or twice or more a week? Do you do certain parts at different times? I've tried to "reward" myself for doing it, I just feel guilty and go without doing/getting something then.

We're hoping that her pain levels reduce back below the spike she had a couple weeks ago, but as she's lived with chronic pain for over 30 years we know they won't go away. I need to get some good habits in place before things do get much worse.

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