Well, my friends all say I'm a whiz at keeping a budget.... I think the best way for ME to do it is to write out all of my bills. This sounds easier than it is, because you have to factor in the variables, like car ins every 6 months, or even license/tags once a year. Write down EVERYTHING, plus your income. See what's left over -- for me it's not much. This helps me keep in mind that I MUST stick to my budget (or keeps me motivated to create extra income). Get a large calendar and write when bills are due, for me paying everything once a month is easiest, I got used to this when on a teaching salary. I do not use debit cards. I do not buy things full price, I use coupons, even if we eat out -- do we have a coupon for the restaurant? Skipping the "extras" -- sodas at a restaurant, appetizers, etc. Making a weekly grocery list based on a loose meal plan. Sometimes it's FUN to see how much you can save in a month! or week!
at 12:58 AM on Dec. 30, 2008