Читать книгу Retirement Planning For Dummies - Matthew Krantz - Страница 29

As mentioned, your run rate is how much you spend now. You can calculate your run rate in several ways:

 Paper and pencil: Yes, you could save your receipts and write down your expenses in a book. If you hate your computer, this method might work for you. But in this book, I skip this dead-tree approach because better ways exist for tracking your money.

 Your bank’s online resources: Many banks put a lot of effort into boosting their website's budget feature. For some people, this approach suffices. Later, I show you the best way to use this feature.

 Third-party apps and websites: There’s an app for that! You use apps to get from place to place and to order food. Why not control your spending with an app, too? An assortment of apps and associated websites can help you see how much you’re spending.

 Spreadsheets: Third-party apps are slick but some come with a catch, charging a monthly fee or sharing your personal financial information. For some people, a good old-fashioned spreadsheet is all they need. I show you how to get started.