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Mom Confessions Mom Confessions

Creating a budget.

Anonymous
Posted by Anonymous
  • 25 Replies
Anyone good at budgeting and creating a budget? If so, anyone willing to help?
Posted by Anonymous on Jul. 19, 2014 at 12:44 AM
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Replies (1-10):
Retrokitty
by Jasmyne on Jul. 19, 2014 at 12:45 AM

Mobile Photo

Add up your income and divide it into percentages.
Anonymous
by Anonymous 1 - Original Poster on Jul. 19, 2014 at 12:47 AM
Bump
Retrokitty
by Jasmyne on Jul. 19, 2014 at 12:52 AM
Anonymous
by Anonymous 2 on Jul. 19, 2014 at 12:54 AM
YNAB. Seriously worth it.

https://www.youneedabudget.com
Retrokitty
by Jasmyne on Jul. 19, 2014 at 12:54 AM
Btw I do know how to make a budget, I've taken classes on it, but I've never actually done it. It's pretty easy depending on what kind of budget you want to do.

Have you ever seen "debt do us part?" It's a tv show.
Anonymous
by Anonymous 3 on Jul. 19, 2014 at 12:55 AM

Miisha is that you?

Andrewsmom70
by Silver Member on Jul. 19, 2014 at 1:01 AM

Your best bet is to keep track of every penny you spend for a few months to see where your money actually goes. Then you develop categories like groceries, monthly bills, gas/car maintenance, entertainment, toiletries, etc. Figure out the average you spend in each category based on the months you tracked it all. Then decide if you want/need to cut back some (eat out less, cut off the premium cable channels, etc) and establish how much you'll spend for the month in each category. Then keep track of everything you spend in each category for the month. Adjust as necessary for the following month.

I use Dave Ramsey's envelope system and find it extremely beneficial. 

zeezoo
by Silver Member on Jul. 19, 2014 at 1:02 AM

  OMG, I love budgeting. If I were to go back to school I'd so go for financial advising!

Anonymous
by Anonymous 1 - Original Poster on Jul. 19, 2014 at 1:32 AM
Who are you?

Quoting Anonymous:

Miisha is that you?

Anonymous
by Anonymous 1 - Original Poster on Jul. 19, 2014 at 1:33 AM
Can I om you for help?

Quoting zeezoo:

  OMG, I love budgeting. If I were to go back to school I'd so go for financial advising!

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