When I started recording all the financial comings and goings of the Howlett house on the 1st of January last year I hoped it would last the whole year, but wasn't sure whether it would. Well, it did and we're now planning to continue for another year.
Here's how our spending for 2009 breaks down:
What this chart tells us is where we can make drastic changes in 2010.
Unsurprisingly, I guess, the largest pie chunk goes to bills, which includes not only stuff like gas, electric, phones and Council Tax, but also the real biggy -- the mortgage.
This last year we "finished" the house and so that part of the pie will shrink down to nothing this year, all being well, as there's no DIY or decorating left to do.
The big anomaly in the data was the biggest single outgoing of 2009, which was buying a brand new car at the tail-end of the year. Normally the Car segment would only be 2 or 3 percent. Buying a car screwed with the charts a little.
The Food category would be better named "Groceries and going out" as it covers all supermarket shopping as well as dining out. Combined with bills, these two categories are the only two that we can't really do much about. It's the other categories we can either get rid of or shrink down massively. If work stopped coming in as readily as last year then we now have an idea what the minimum income we'd need to get by would be.
One thing we did manage to do was pay off our loans, so that's another chunk that can go. What I'd like to do transfer is that 5% of the pie in to the measly 2.7% we put aside as savings.
I can't remember what I put in the "Entertainment" category, but the fact it accounts for a quarter of a percent doesn't so much about how much fun we had last year, does it!
As an exercise it's been interesting, but not too surprising. The money goes pretty much where I'd have expected. What I've got out of it is a better idea just how much goes in to each category and where changes can be made.
The plan for 2010 is drastically reduce the total outgoing of the house. The bigger ("five year") plan is to start chipping away at the mortgage - paying in lump sums whenever we can. I'd love to have it paid off within the next 5 to 10 years, rather than 20 years, which is how long it will take at the current rate.
The Accounts Package
Now we're in a new year I've had to make some changes to the Flex app I use to record finances so it can start afresh and use data visualisation to compare and contrast the running totals for this year with those from last year.
If you want to do the same for your house then now is the time to start (assuming you can remember what you've spent in the last four days, so you'll have a full record for the year). Once you've set up scheduled incomings/outgoings such as bills and wages, then all that's left to do is input what else you spend. We do this through an Android app I wrote. It's not actually that much of a chore once you get used to it!
If any of you do want to do it then either email me or leave a comment and I can send you either the Domino or LAMP version of the app.
Use your Lotus Notes client development experience as the starting point for becoming a skilled Domino Web application developer. This article is the first in a series that guides you through the process of learning Domino Web development, including essential technologies such as JavaScript, HTML, and Cascading Style Sheets (CSS). You'll find out what you need to know and how your current skills and knowledge translate to the Web, plus you'll gain a basic understanding of HTML and CSS.
Есть синхронизация данных с Outlook, LotusNotes, The Bat, Eudora, Outlook Express, Google calendar, Palm Desktop, Novell Groupwise, iTunes, и др., закачка музыки/картинок, работа с базами данных и телефонными книгами.
Есть синхронизация данных с Outlook, LotusNotes, The Bat, Eudora ,Outlook Express, Google calendar, Palm Desktop, Novell Groupwise, iTunes, и др., закачка музыки/картинок, работа с базами данных и телефонными книгами.
Click here Application Programmer III - Lotus Notes, Domino
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Lotus Notes Developer Req. ID: 5980
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Lotus Notes/Domino Developer Full Time Regular posted 12/8/2009 Job Category MIS - Info Tech / Telecommunications
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Lotus Notes Developer Full Time Regular posted 10/16/2009 Job Category MIS - Info Tech / Telecommunications
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Lotus Notes/Domino Developer Full Time Regular posted 11/23/2009 Job Category MIS - Info Tech / Telecommunications
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Title: Lotus Notes/ Domino Developer 3
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Be the Second-level support to answer all Remedy ticket calls that come to our client from the Help Desk or DSI. Specific Functions: * Need the most proficiency in Lotus Notes troubleshooting; also ...
Click here Application Programmer III - Lotus Notes, Domino
Posted on:12/22/09 Job Number:
304083-8382-12-253194 Add to Cart
Email to a Friend
Location:
Mount Laurel, NJ
Descripti...
Lotus Notes Developer Req. ID: 5980
# Positions: 1
Location: US-IN-Carmel
Posted Date: 12/4/2009
Position Type: Full Time Apply for this career opportunity: * Apply for this opportunityonline * R...
Lotus Notes/Domino Developer Full Time Regular posted 12/8/2009 Job Category MIS - Info Tech / Telecommunications
Req ID 158386
Able to obtain security clearance? None
Currently po...
Lotus Notes Developer Full Time Regular posted 10/14/2009 Job Category MIS - Info Tech / Telecommunications
Req ID 158834
Able to obtain security clearance? None
Currently possess ...
Lotus Notes Developer Full Time Regular posted 10/13/2009 Job Category MIS - Info Tech / Telecommunications
Req ID 158730
Able to obtain security clearance? None
Currently possess ...
Lotus Notes Developer Full Time Regular posted 10/16/2009 Job Category MIS - Info Tech / Telecommunications
Req ID 159027
Able to obtain security clearance? None
Currently possess ...
Lotus Notes/Domino Developer Full Time Regular posted 11/23/2009 Job Category MIS - Info Tech / Telecommunications
Req ID 161695
Able to obtain security clearance? None
Currently p...
Title: Lotus Notes/ Domino Developer 3
Category: Information Systems
Location: Reston, VA / USA | Sector: Information Systems Posting ID: IT/099802
This job is eligible for theRefer a Friendprogram...
The WCM / Portal Developer will review the current process for delivering UI through the IBM WebSphere Portal in conjunction with IBM Lotus Content Management. This individual will recommend changes t...
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