Need Help
Results 1 to 4 of 4

Thread: Need Help

  1. #1
    Registered User madwaller's Avatar
    Join Date
    May 2008
    Posts
    14
    Post Thanks / WTG / Hug
    Rep Power
    0

    Arrow Need Help

    I see that lots of yall have budget summaries and doing challenges, etc. Where do I go to set up my own budget or debt analysis.

    I guess what I am really asking is where to start.....I am really motivated by reading here and desperately need to save.

    Any help appreciated.

  2. #2
    Registered User FrugalMomof3's Avatar
    Join Date
    Jan 2006
    Location
    Northern NJ - PBurg
    Age
    41
    Posts
    9,237
    Post Thanks / WTG / Hug
    Rep Power
    22

    Default

    Hiya,

    Well you can post here your monthly bills and then give us your bring home pay or money coming into the home monthly, we can then help with you with advice on where to cut down.

  3. #3
    Registered User Clutterbug Jen's Avatar
    Join Date
    Mar 2008
    Posts
    736
    Post Thanks / WTG / Hug
    Blog Entries
    1
    Rep Power
    7

    Default

    I have a problem with saving as well.

    Not that I don't cut down on things but my problem is that after I put $ into my savings account,

    I just can't seem to leave it alone 'cuz there's always something I "think" I need when in all actuality - I don't need them at all.

    ~*Jen*~

  4. #4
    Registered User mombottoo's Avatar
    Join Date
    Feb 2008
    Location
    Michigan
    Age
    55
    Posts
    1,840
    Post Thanks / WTG / Hug
    Rep Power
    16

    Default

    Start by adding up all of your monthly expenses, then add up all of your monthly income...subtract expenses from income and what's left over is known as disposable income. When you do your expenses make sure to include things like, gas, groceries, clothing, etc., you can go back through last years expenses to get a general idea of these costs or you can write everything down for a couple of months & go from there.

    I pay myself first (savings) and then pay the necessities which for me are lights, heat, property taxes and house insurance since we don't have a house payment. Then I pay the balance of my bills...whatever is left over I either spend or save depending on my mood. I don't have any minor children living at home, so it's much easier for me than it is for some. We also have a very stable income that we don't have to worry about which also helps. Good luck!!!
    "Life is what happens while you are busy making other plans." John Lennon
    "Infinite goodness has wide arms." Dante

    Change & Penny Challenges:
    Penny : $11.63
    Change : $66.20

    Grocery Challenge:
    Grocery $400 avg. per month: $122.58/$400 April
    Running Total: $1,243.92

    2014 Coupon Savings Challenge:
    $312.47

    Savings Challenge: $/$3,000 to be put into other acct. when goal is met

    2014 Fling Challenge: 63/2014
    20 Wishes Challenge: 10/24
    2014 Backwards 52 week Christmas Challenge: 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 29 30 31 32 33 34 35 36 37 38 39 40 41 42 43 44 45 46 47 48 49 50 51 52
    To date: $637.00 - $53.84 = $583.16

Posting Permissions

  • You may not post new threads
  • You may not post replies
  • You may not post attachments
  • You may not edit your posts
  •