17 Years with One Spreadsheet: My Secret to Stress-Free Retirement Budgeting

In this video I reveal the spreadsheet I've been using for more than 16 years to track my spending and keep my budget in line. I started using it before I retired and have continued to the present day, through many life transitions. Living in New York State with its very high expenses has meant changes to my budgeting, but I've found that all of the changes are doable using this simple system. I show you my spreadsheet and how to use it, and tell how I keep track of my four categories of spending: fixed expenses, savings, giving, and lifestyle. I explain how I handing sinking funds and emergency expenses, and how I budget for no-guilt fun. Budgeting is not about deprivation -- it's about managing the assets we have to live a rich and meaningful life. Kate Kaden’s channel:    / @katekaden   This video is a followup to two recent videos, which I'll link to here: The 9 Items I Cut from My Budget to Thrive in Retirement:    • The 9 Items I Cut from My Budget to Thrive...   7 More Items I Cut from My Budget to Thrive in Retirement:    • 7 More Items I Cut from My Budget to Thriv...   Favorite books: The Happiness Trap, by Russ Harris Daring Greatly, by Brene Brown Radical Compassion, by Tara Brach All my links: https://linktr.ee/simplyretiredtobi My Simply Retired Amazon Shop: https://www.amazon.com/shop/simplyret... Disclaimer: Some links are affiliate links. If you buy something, I may make a small commission at no additional cost to you. As an Amazon Associate, I earn from qualifying purchases. Thank you for supporting the channel.