I play tricks with my money sometimes.
I have a separate account that I deposit my “fun money” into. I still track the amounts I spend, but there is an extra cell in my budget where I subtract that amount from the equation, i.e.
The bottom cell tracks what I put into and what I spend from that other account. I used to feel guilty when I would spend money on clothes or eating out, since each time I spent money it would show up as a drop in the amount of money I could put into savings.
I also have been playing a game with my paychecks. May was a 3-paycheck month for me, but I hate waiting until 2 weeks into the next month for the next paycheck. Instead, I track the third paycheck against the next month (in this case, May’s 3rd pacheck becomes June’s first). I suppose this one is more of a silly thing I do to make sure I keep the right amount of money in my account. I’m also doing this because I’m going to have to buy a plane ticket this month, if I don’t decide against going home for Thanksgiving.
I have a hidden buffer in my account as well. I have $1100 that is going to be used on a new laptop (as soon as Montevina is released & used in the Apple computer I’ve been drooling over), and I’m not tracking that. The money is partially from gifts and partially from my stimulus check. I tried to buy a computer last year, but seeing the drain from my accounts would have been too painful. This year, I’m removing that money from my view so when I spend it (I really need a new computer!), I don’t get guilt about ruining my savings.
Does anyone else do this with their money?