It’s F-Day plus 35, and I’m spending a few hours working in the habitable part of our flood-damaged house while I’m “between” two AirBnBs.
The dog, who doesn’t normally get to come upstairs, is sitting with me on the landing. Except she also wants to keep an eye on what’s happening downstairs.
The result? Her back legs are sitting and her front legs are standing as she peers blepfully down the stairs.
It’s F-Day plus 31 – a whole month (and a bit; thanks February) since our house filled with water and rendered us kinda-homeless.
We continue to live out of a series of AirBnB-like accommodations, flitting from place to place after a week or fortnight. I can’t overstate how much this feels like a hundred tiny
inconveniences, piling up in front of me all at once and making it hard to see “past” them.
Our current two-week stint is spent at a place that’s perfectly delightul… but it’s not home.
They’re all small potatoes compared to the bigger issue of, y’know… our house being uninhabitable. But they’re still frustrating.
I’m talking about things like discovering your spare toothbrush heads are at the “wrong” house. Or having to take extra care to plan who’s going to use which car to go to the office
because the kids and the dog need dropping off (because our lives were all optimised for our local walking and bus routes). It’s a level of cognitive load that, frankly, I could do
without.
I’m trying to look on the bright side. One particular highlight was JTA and I discovering the epic pizza restaurant inside the brewery that’s about four minutes walk from where we’re living, right now.
Meanwhile, any relief is slow to come. We’re still without a medium-term plan for somewhere to live, because even though the insurance company has pulled their finger out
and agreed to pay for say six months of rental of a place, we’re struggling to find a suitable property whose landlord is open to such a
short-term let.
When the house first flooded and friends told me that I’d be faced with manymonths of headaches, I figured this was hyperbole. Or that, somehow, with the epic
wrangling and project management skills of Ruth, JTA and I combined, that we’d be able to accelerate the process somewhat. Little did I know
that so many of the problems wouldn’t be issues of scale or complexity but of bureaucracy and other people’s timescales. Clearly,
we’re in it for the long haul.
It feels silly that we’re still in the first quarter of this 2026 and already I’m looking forward to next year and the point where we can look back and laugh, saying “ah,
remember 2026: the year of the flood?” Sigh.
Nineteen days after my house flooded, causing extensive damage on the ground floor, the insurance
company has finally accepted the claim and is willing to pay for our temporary accommodation in the meantime (a few days in a hotel, a few days with friends although that’s not
paid-for, four weeks in two different holiday lets), although we’re still waiting for their thumbs-up on a proposal for a ~6-month let of a house to live in while our floors are replaced and our kitchen rebuilt and whatnot.
Meanwhile, yesterday a surveyor came around and looked at all of our walls. Everything still feels like it’s taking a very long time. I appreciate that insurance companies are a maze of
bureaucracy and procedure, but from “this side” of the table – living and working out of strange places, never really feeling “unpacked” but without it being a holiday – it’s all a bit
of a drag!
Today was a long day. Between commuting (the kids to school from our distant flood-evacuation accommodation), work, childcare, insurance wrangling etc., I was pretty tired when I got
back “home”. So I came in and lay on the floor.
The insurance loss adjusters came around this morning, accompanied by damage assessors and electricians and whatnot.
The process continues to feel painfully slow. We’re still one to two weeks from confirmation that the insurance company will accept liability and be ready to start paying for, y’know,
the immediate concerns like where we’re going to live.
“How long should we plan on renting another house to live in?” I asked, warily.
“Six to twelve months?” guessed the loss adjusters.
This morning, from my Premier Inn window, the skies are clear. I could almost forget that, just 4 miles away, my house is full of water.
Today may well be a day of waders and damage assessment, conversations with insurance companies and of working out where we’ll be living for the near future.
But strangely, what’s thrown me first this morning was that I couldn’t make this post submit.
Turns out my crosspost-to-mastodon checkbox was checked. Because my Mastodon server… runs on my homelab. Which is currently unplugged and in one of the highest rooms of a house with no
electricity or Internet access. (Or, probably, running water… although that matters less to a homelab.)
I think I moved it before it got wet, but yesterday is such a blur that I just don’t know. I remember we spent some time fighting back the water with sandbags and barricades. I remember
the moments each room began to fail, one by one, and we started moving whatever we could carry to higher floors (max props to folks from Eynsham Fire Bridade for helping with the heavy
stuff). But if you ask me what order we rescued things in, I just don’t know.
I guess we’ll find out when the waters recede, and it’s safe to go check.
I decided to take my meeting with my coach today in our house’s new library, which my metamour
JTA has recently been working hard on decorating, constructing, and filling with books. The room’s not quite finished, but it made for a brilliant space for a bit of quiet
reflection and self-growth work.
(Incidentally: I might be treating “lives in a house with a library” as a measure of personal success. Like: this is what winning at life looks like, right? Because whatever
else goes wrong, at least you can go hide in the library!)
There are two particular varieties of email address that I don’t often see, but I’ve been known to ridicule when I have:
Geographically-based personal email addresses, e.g. OurHouseName@example.com. These always seemed to me to undermine one of the
single-best things about an email address compared to postal mail – that they don’t change when you move house!1
Shared/couple email addresses, e.g. MrAndMrsSmith@example.net. These make me want to scream “You know email addresses are basically
free, right? You don’t have to share one!” Even back when most people got their email address directly from their dial-up provider, most ISPs offered some number of addresses (e.g. five).
If you’ve come across either of the above before, there’s… perhaps a reasonable chance that it was in the possession of somebody born before 1960 (and the older, the
more-likely)2.
In Pierce’s defence, “my email is on that computer” did genuinely used to be a thing, before the widespread adoption of IMAP and webmail.
You’ll never catch me doing that!
I found myself thinking about this as I clicked the “No” button on a poll by Terence
Eden that asked whether I used a “shared” email address when in a stable long-term relationship.
Of course I don’t! Why would I? Oh… wait…
It wasn’t until after I clicked “No” that I realised that, in actual fact, I have had multiple email addresses that I’ve share with significant other(s). And more than
that, sometimes they’ve been geographically-based! What’s going on?
I’ve routinely had domains or subdomains that I’ve used to represent a place that I live. They’re convenient for when you want to give somebody a short web address which’ll take them to
a page with directions to you and links to your location in a variety of different services and formats.
And by that point, you might as well have an email alias, e.g. all@myhouse.example.org, that forwards on email to, well, all the adults at the house. What I’ve
described there is, after a fashion, a shared email address tied to a geographical location. But we don’t ever send anything from it. Nor do we use it for any kind of
personal communication with anybody outside the house.
Sainsbury’s aren’t going to bring us any Raspberry Peelers. I’m not sure who ordered them, but I’m confident that
it’s the kids who’re gonna complain about it.
We don’t give out these all@ addresses (or their aliases: every company gets their own) to people willy-nilly. But they’re useful for shared services that send
automated emails to us all. For example:
Giving a forwarding alias to the supermarket means that receipts (listing any unavailable products) g0 to all of us, and whoever’s meal plan’s been scuppered by an awkward
substitution will know what’s up.
Using a forwarding alias with the household Netflix account means anybody can use the “send me a sign-in link” feature to connect a new device.
When confirming that you’ve sent money to a service provider, CC’ing one of these nice, short aliases provides a quick way to let the others know that a bill’s been paid (this one’s
especially useful where, like me, you live in a 3+ adult household and otherwise you’d be having to add multiple people to the CC field).
Sure, the need for most of these solutions would evaporate instantly if more services supported multi-user or delegated access3.
But outside of that fantasy world, shared aliases seem to be pretty useful!
Footnotes
1 The most ill-conceived example of geographically-based email addresses I’ve ever seen
came from a a 2003 proposal by then-MP Derek Wyatt, who proposed that the domain name part of every single email address should contain not
only the country of the owner (e.g. .uk) but also their complete postcode. He was under the delusion that this would somehow prevent spam. Even ignoring the
immense technical challenges of his proposal and the impossibility of policing it across the borders of every country that uses email… it probably wouldn’t even be
effective at his stated goal. I’ll let The Register take it from here.
2 No ageism intended: I suspect that the phenomenon actually stems from the fact that as
email took off in the noughties this demographic who were significantly more-likely than younger folks to have (a) a very long-term home that they didn’t anticipate moving out of any
time soon, and (b) an existing anticipation that people and companies wrote to them as a couple, not individually.
3 I’d love it if the grocery delivery sites would let multiple “accounts”, by
mutual consent, share a delivery slot, destination, and payment method. It’d be cool to know that we could e.g. have a houseguest and give them temporary access to a specific
order that was scheduled for during their stay. But that’s probably a lot of work for very little payoff if you’re busy running a supermarket.
As our house rennovations/attic conversions come to a close, I found myself up in what
will soon become my en suite, fitting a mirror, towel rail, and other accessories.
Wanting to minimise how much my power tool usage disturbed the rest of the house, I went to close the door separating my new bedroom from my rest of my house, only to find that it
didn’t properly fit its frame and instead jammed part-way-closed.
“Oh,” I said, as the door clearly failed to shut, “Damn.”
Somehow we’d never tested that this door closed properly before we paid the final instalment to the fitters. And while I’m sure they’d have come back to repair the problem if I asked, I
figured that it’d be faster and more-satisfying to fix it for myself.
Homes
As a result of an extension – constructed long before we moved in – the house in Preston in which spent much of my childhood had not just a front and a back door but what we called the
“side door”, which connected the kitchen to the driveway.
Unfortunately the door that was installed as the “side door” was really designed for interior use and it suffered for every winter it faced the biting wet North wind.
The side door isn’t visible in this picture: it’s concealed behind the corner of the house, to the left of the car.
My father’s DIY skills could be rated as somewhere between mediocre and catastrophic, but his desire to not spend money “frivolously”
was strong, and so he never repaired nor replaced the troublesome door. Over the course of each year the wood would invariably absorb more and more water and swell until it became stiff
and hard to open and close.
The solution: every time my grandfather would visit us, each Christmas, my dad would have his dad take down the door, plane an eighth of an inch or so off the bottom, and
re-hang it.
Sometimes, as a child, I’d help him do so.
My paternal grandfather was a practical and hand-on engineer and a reasonable carpenter.
Planes
The first thing to do when repairing a badly-fitting door is work out exactly where it’s sticking. I borrowed a wax crayon from the kids’ art supplies, coloured the edge of the door,
and opened and closed it a few times (as far as possible) to spot where the marks had smudged.
Fortunately my new bedroom door was only sticking along the top edge, so I could get by without unmounting it so long as I could brace it in place. I lugged a heavy fence post rammer
from the garage and used it to brace the door in place, then climbed a stepladder to comfortably reach the top.
I figured I’d only need to remove a few millimetres, so I didn’t mind doing it from atop a stepladder. Hey: here’s a fun thing – when I think about planing a door with my grandfather,
I think in inches; when I think about doing it myself, I think in metric!
Loss
After my paternal grandfather died, there was nobody left who would attend to the side door of our house. Each year, it became a little stiffer, until one day it wouldn’t open at all.
Surely this would be the point at which he’d pry open his wallet and pay for it to be replaced?
I’m not sure there’s a more apt metaphor for my dad’s ability to be stubborn than this photo of him dragging a tyre around Gateshead as a training activity for an Arctic expedition.
Nope. Instead, he inexpertly screwed a skirting board to it and declared that it was now no-longer a door, but a wall.
I suppose from a functionalist perspective he was correct, but it still takes a special level of boldness to simply say “That door? It’s a wall now.”
Sand
Of all the important tasks a carpenter (or in this case, DIY-er) must undertake, hand sanding must surely be the least-satisfying.
You wear your fingers out rubbing a piece of wood smooth, and your only reward is getting to do it again with a slightly finer grade of paper.
But reaching the end of the process, the feel of a freshly-planed, carefully-sanded piece of wood is fantastic. This surface represented chaos, and now it represents
order. Order that you yourself have brought about.
Often, you’ll be the only one to know. When my grandfather would plane and sand the bottom edge of our house’s side door, he’d give it a treatment of oil (in a doomed-to-fail attempt to
keep the moisture out) and then hang it again. Nobody can see its underside once it’s hung, and so his handiwork was invisible to anybody who hadn’t spent the last couple of months
swearing at the stiffness of the door.
Swish, swish. Now I’m glad I sanded.
Even though the top of my door is visible – particularly visible, given its sloping face – nobody sees the result of the sanding because it’s hidden beneath a layer of paint.
A few brush strokes provide the final touch to a spot of DIY… that in provided a framing device for me to share a moment of nostalgia
with you.
This week, I received a ~240V AC electric shock. I can’t recommend it.
As you may have guessed based on photos in previous posts, our house is currently wrapped in a convenient climbing frame scaffolding.
We’re currently having our attic converted, so we’ve had some electricians in doing the necessary electrical wiring. Shortly after they first arrived they discovered that our existing electrics were pretty catastrophic, and needed to make a few changes including a new fusebox and disconnecting the
hilariously-unsafe distribution board in the garage.
The owner before last of our house worked for SSEN and did all of his own wiring, and left us a rats’ nest
of spaghetti wiring that our electricians described as being unlike anything they’d ever seen before. Also a literal rats’ nest under the decking, but we got rid of that already.
After connecting everything new up they began switching everything back on and testing the circuits… and we were surprised to hear arcing sounds and see all the lights flickering.
The electricians switched everything off and started switching breakers back on one at a time to try to identify the source of the fault, reasonably assuming that something was shorting
somewhere, but no matter what combination of switches were enabled there always seemed to be some kind of problem.
You know those escape room puzzles where you have to get the right permutation of switch combinations? This was a lot less fun than that.
Noticing that the oven’s clock wasn’t just blinking 00:00 (as it would after a power cut) but repeatedly resetting itself to 00:00, I pointed this out to the electricians as an
indicator that the problem was occurring on their current permutation of switches, which was strange because it was completely different to the permutation that had originally exhibited
flickering lights.
I reached over to point at the oven, and the tip of my finger touched the metal of its case…
Blam! I felt a jolt through my hand and up my arm and uncontrollably leapt backwards across the room, convulsing as I fell to the floor. I gestured to the cooker and
shouted something about it being live, and the electricians switched off its circuit and came running with those clever EM-field sensor
pens they use.
Somehow the case of the cooker was energised despite being isolated at the fusebox? How could that be?
Buy one ECG appointment. Get a free partial chest-shaving free!
I missed the next bits of the diagnosis of our electrical system because I was busy getting my own diagnosis: it turns out that if you get a mains electric shock – even if you’re
conscious and mobile – the NHS really want you to go to A&E.
At my suggestion, Ruth delivered me to the Minor Injuries unit at our nearest hospital (I figured that what I had wasn’t that
serious, and the local hospital generally has shorter wait times!)… who took one look at me and told me that I ought to be at the emergency department of the bigger hospital over the
way.
The first hospital were kind enough to hook me up to an ECG before sending me on to the A&E department. It indicated possible cardiac arrhythmia in the sinus node – basically: my heart’s natural pacemaker was firing somewhat
irregularly – which is kinda what you’d expect from an AC zap.
Off at the “right” hospital I got another round of ECG tests, some blood tests (which can apparently be used to diagnose muscular
damage: who knew?), and all the regular observations of pulse and blood pressure and whatnot that you might expect.
And then, because let’s face it I was probably in better condition than most folks being dropped off at A&E, I was left to
chill in a short stay ward while the doctors waited for test results to come through.
Apparently our electricity meter blew itself up somewhere along the way, leaving us with even less of a chance to turn the power back on again.
Meanwhile, back at home our electricians had called-in SSEN, who look after the grid in our area. It turns
out that the problem wasn’t directly related to our electrical work at all but had occurred one or two pylons “upstream” from our house. A fault on the network had, from the sounds of
things, resulted in “live” being sent down not only the live wire but up the earth wire too.
That’s why appliances in the house were energised even with their circuit breakers switched-off: they were connected to an earth that was doing pretty-much the opposite of what an earth
should: discharging into the house!
For the next day or so, a parade of linesmen climbed up and down all the pylons in the field behind our house, hunting for the source of the problem.
It seems an inconceivable coincidence to me that a network fault might happen to occur during the downtime during which we happened to have electricians working, so I find myself
wondering if perhaps the network fault had occurred some time ago but only become apparent/dangerous as a result of changes to our household configuration.
I’m no expert, but I sketched a diagram showing how such a thing might happen (click to
embiggen). I’ll stress that I don’t know for certain what went wrong: I’m just basing this on what I’ve been told my SSEN plus a little speculation:
By the time I was home from the hospital the following day, our driveway was overflowing with the vehicles of grid engineers to the point of partially blocking the main street outside
(which at least helped ensure that people obeyed our new 20mph limit for a change).
We weren’t even able to get our own car onto our driveway when we got back from the hospital.
Two and a half days later, I’m back at work and mostly recovered. I’ve still got some discomfort in my left hand, especially if I try to grip anything tightly, but I’m definitely moving
in the right direction.
It’s actually more-annoying how much my chest itches from having various patches of hair shaved-off to make it possible to hook up ECG electrodes!
The actual conversation at this point seemed to consist of the guy at the top of the pole confirming that yes, he really had disconnected the live wire from our house, and
one at the bottom saying he can’t have because he’s still seeing electricity flowing. Makes sense now, doesn’t it?
Anyway, the short of it is that I recommend against getting zapped by the grid. If it had given me superpowers it might have been a different story, but I guess it just gave me
sore muscles and a house with a dozen non-working sockets.
If you enjoy a bit of “cable gore”, let me introduce you to the fusebox cupboard at my house, with its plethora of junctions, fuses, breakers, switches, timers, and cabling everywhere!
Banana for scale.
I was told Windows installation should take less than 20 minutes, but these ones have been sitting outside my house all day while the builders sit on the roof and listen to the radio.
Do I need a faster processor? #TechSupport
I’m British. So I complain about very little. Instead, I tut loudly to myself.
But the thing that makes me tut the loudest, perhaps, is when I discover that somebody has put a roll of toilet paper on its holder the wrong way.
Of all the hills a person could choose to die on, I seem to have chosen the most absorbent.
I’m aware that there are some people who do not hold a strong opinion on the correct orientation of a horizontally-mounted roll of toilet paper. That’s fine; not everybody has to care
about these things. Maybe you’ll be persuaded that there’s a “right” way by this post (and there is), but if not, no problem.
But for the anybody who deliberately and consciously hangs toilet paper the wrong way… here’s why you’re mistaken:
Hanging it the right way puts the loose end closer to the user, which means they’ve got less-far to reach.
Hanging it the right way means the loose end is easier to find, which is especially useful if you didn’t turn the light on yet because you’re not ready to fully
wake up.
Hanging it the wrong way increases the amount of time the paper spends cleaning the wall, which isn’t something I want or need it to be used to clean.
Hanging it the wrong way increases the risk that the loose end is in a place where it is inaccessible, sandwiched directly behind the roll and against the wall, requiring the user
to manually turn the roll to expose it. When the same thing happens on a roll hung the right way (which is rarer on account of gravity) a pinched end self-corrects as
soon as you pull the roll slightly away from the wall.
It’s been argued that your way is “tidier” because unused toilet paper sits closer to the wall which which it’s approximately parallel. Sure (although I disagree that it’s tidier,
but that’s clearly subjective): but I counter that I don’t need it to be tidy, I need it to function.
I’m willing to concede that for some pet owners and parents, hanging the “wrong” way might discourage curious animals and toddlers from playing with the exposed end. But even that’s
not a guarantee, as wrong-way-hanger Dan4th Nicholas discovered. Photo used under a CC-BY license.
I share a home with a wrong-way hanger, but about 13 years ago we came to a household agreement: I’d quietly “correct” any
incorrectly-installed toilet rolls in shared bathrooms1, and nobody would deliberately switch them back2,
and in exchange I’d refrain from trying to educate people about why they were wrong.3
Like Mike Wozniak, I also have a pet hate for people leaving the cardboard tube from toilet paper rolls in suboptimal places,
like on top of a closed pedal bin. But I don’t see so much of that.
1 A man can do whatever the hell he likes in the comfort of his own en suite.
2 This clause was added after it became apparent that our then-housemate Paul decided it’d be a fun prank to go around the house reversing my corrections (not because he preferred the wrong way, but just to troll
me!). Which I can admit was a fun prank… until I challenged him on it and he denied it, at which point it became gaslighting.
3 This doesn’t count as forcing an education on my household. My blog isn’t in your face:
you can skip it any time you want. You can even lie and say you read it when you don’t; I won’t know, especially this month when I’ve been writing so prolifically – now on my longest-ever daily streak! – that I probably won’t even remember what I wrote about.
Our household costs have increased considerably over the last decade, not least because children and pets are expensive (who knew?).
Sample data
For my examples below, assume a three-person family. I’m using unrealistic numbers for easy arithmetic.
Alice earns £2,000, Bob earns £1,000, and Chris earns £500, for a total household income of £3,500.
Alice spends £1,450, Bob £800, and Chris £250, for a total household expenditure of £2,500.
Model #1: Straight Split
We’ve never done things this way, but for completeness sake I’ll mention it: the simplest way that households can split their costs is by dividing them between the participants equally:
if the family make a £60 shopping trip, £20 should be paid by each of Alice, Bob, and Chris.
My example above shows exactly why this might not be a smart choice: this model would have each participant contribute £833.33 over the course of the month, which is more than Chris
earned. If this month is representative, then Chris will gradually burn through their savings and go broke, while Alice will put over a grand into her savings account every month!
“Land, Bread, Peace… and Spreadsheets!”
Model #2: Income-Assessed
We’re a bunch of leftie socialist types, and wanted to reflect our political outlook in our household finances, too. So rather than just splitting our costs equally between us, we
initially implemented a means-assessment system based on the relative differences between our incomes. The thinking was that somebody that earns twice as much should
contribute twice as much towards the costs of running the household.
Using our example family above, here’s how that might look:
Alice earned 57% of the household income, so she should have contributed 57% of the household costs: £1,425. She overpaid by £25.
Bob earned 29% of the household income, so he should have contributed 29% of the household costs: £725. He overpaid by £75.
Chris earned 14% of the household income, so they should have contributed 14% of the household costs: £350. They underpaid by £100.
Therefore, at the end of the month Chris should settle up by giving £25 to Alice and £75 to Bob.
By analogy: The “Income-Assessed” model is functionally equivalent to splitting each and every expense according to the participants income – e.g. if a £100 bill landed
on their doormat, Alice would pay £57, Bob £29, and Chris £14 of it – but has the convenience that everybody just pays for things “as they go along” and then square everything up when
their paycheques come in.
You know what else is surprisingly expensive? Having the roof of your house taken off.
Over time, our expenditures grew and changed and our incomes grew, but they didn’t do so in an entirely simple fashion, and we needed to make some tweaks to our income-assessed model of
household finance contributions. For example:
Gross vs Net Income: For a while, some of our incomes were split into a mixture of employed income (on which income tax was paid as-we-earned) and self-employed
income (for which income tax would be calculated later), making things challenging. We agreed that net income (i.e. take-home pay) was the correct measure for us to use for the
income-based part of the calculation, which also helped keep things fair as some of us began to cross into and out of the higher earner tax bracket.
Personal Threshold: At times, a subset of us earned a disproportionate portion of the household income (there were short periods where one of us earned over 50% of
the household income; at several other times two family members each earned thrice that of the third). Our costs increased too, but this imposed an regressive burden on the
lower-earner(s), for whom those costs represented a greater proportion of their total income. To attempt to mitigate this, we introduced a personal threshold somewhat analogous to the
income tax “personal allowance” (the policy that means that you don’t pay tax on your first £12,570 of income).
Eventually, we came to see that what we were doing was trying to patch a partially-broken system, and tried something new!
Model #3: Same-Residual
In 2022, we transitioned to a same-residual system that attempts to share out out money in an even-more egalitarian way. Instead of each person contributing in accordance
with their income, the model attempts to leave each person with the same average amount of disposable personal income at the end. The difference is most-profound where the
relative incomes are most-diverse.
With the example family above, that would mean:
The household earned £3,500 and spent £2,500, leaving £1,000. Dividing by 3 tells us that each person should have £333.33 after settling up.
Alice earned earned £2,000 and spent £1,450, so she has £550 left. That’s £216.67 too much.
Bob earned earned £1,000 and spent £800, so she has £200 left. That’s £133.33 too little.
Chris earned earned £500 and spent £250, so she has £250 left. That’s £83.33 too little.
Therefore, at the end of the month Alice should settle up by giving £133.33 to Bob and £83.33 to Chris (note there’s a 1p rounding error).
That’s a very different result than the Income-Assessed calculation came up with for the same family! Instead of Chris giving money to Alice and Bob, because those two
contributed to household costs disproportionately highly for their relative incomes, Alice gives money to Bob and Chris, because their incomes (and expenditures) were much lower.
Ignoring any non-household costs, all three would expect to have the same bank balance at the start of the month as at the end, after settlement.
By analogy: The “Same-Residual” model is functionally equivalent to having everybody’s salary paid into a shared bank account, out of which all household expenditures
are paid, and at the end of the month everything that’s left in the bank account gets split equally between the participants.
Our version of the spreadsheet has inherited a lot of hacky edges, many for now-unused functionality.
We’ve made tweaks to this model, too, of course. For example: we’ve set a “target” residual and, where we spend little enough in a month that we would each be eligible for more
than that, we instead sweep the excess into our family savings account. It’s a nice approach to help build up a savings reserve without feeling a pinch.
I’m sure our model will continue to evolve, as it has for the last decade and a half, but for now it seems stable, fair, and reasonable. Maybe it’ll work for your household too (whether
or not you’re also a polyamorous family!): take a look at the spreadsheet in Google Drive and give it a go.