Spreadsheet of Delight

Surely she has got that wrong – it should be the Spreadsheet of Doom not the Spreadsheet of Delight ……… humour me – OK??

First things first – let me confess!  I love me a spreadsheet …. my cashflow spreadsheet in particular is a very special thing of beauty as far as I am concerned.  I credit it (and my menu planner) with the whole “keeping me on the straight and narrow” thing that we all struggle with at times.

Spreadsheet of Delight. Waking the straight and narrow.

If I slide “off piste” then the immediate consequences are shown in my cashflow projections as great big fat red numbers with a negative sign in the front appear a few weeks ahead.  My spreadsheet doesn’t listen to excuses .. well she does but she refuses to accept them.  Reality is her thing – cold bare facts and lots of them. In fact there are times I don’t like her very much because she reflects my less than stellar choices right back at me tout de suite!

Still ….. she has her moments of levity.  She is a great co-conspirator if you want to play a game of “What if” with a glass of wine on a Saturday evening.

This “game for one” consists of two fed boys, one glass of wine and a copy of your actual cashflow spreadsheet to play with.  If you don’t already have one you are going to need to pop over the link and download  your own copy and read the post about how to set yours up.

Spreadsheet of Delight



So …. sip of wine and you start asking yourself the “What if?” questions ……

Spreadsheet of Delight.  What if

What if we could live on just one of our incomes?

What if I saved 20% of my income for retirement?

What if I accepted the new job with the higher pay?

What if I kept renting two rooms out to lodgers?

What if I could book five seminars a year?

What if I could live on the Tax Credits and Family Allowance and bank everything else?

What if I found a side hustle paying £200 per month?


Oh the excitement of being able to model a fantasy financial future that OK may bear no relation to the life you are living at the moment .. but just for a minute allows you to dream that all things are possible ….

Or like me you realise that with a following wind, great lodgers and a bit more side hustling that this mortgage could be toast in just three short years …… imagine ……. Oh I can almost taste it!!!

It even allows me to model a future without mortgage payments .. and look at how little money I would need to be earning in order to have a decent standard of living…. now THERE is a future that makes me sit up and take notice.

Spreadsheet of Delight. Sit up and take notice

It sounds daft but a little playful fantasy makes all the penny pinching and planning  totally worthwhile in my head. I can see the outcome of some better choices, better data, better income and better strategies without having any of the risk.

Over the years this modelling has helped me be braver in negotiating my contracts, better in sticking to my food plans and less profligate when it comes to discretionary spending .. because every pound I can keep working for me brings that shiny future a little closer.

…………… besides … we don’t have a TV licence so I need something to amuse me on a Saturday evening LOL.

So hands up then … who is now  tempted to play around with their spreadsheet and find out the real facts behind how you can make your dream life come true?  I wonder where we could all be in just three years time??



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