My brother and I have always been desorganized with our money, weve never lived in abudget we just bought stuff if we needed it but lately i realized that we lose money because sometimes we dont get what needs to be gotten in the month like food for example.. and then we end up buying food in the street and when we finally go to the super, our fridge is so empty that we end up having to get so much that cost us a lot of money in one shot, and we all got personal expenxes too like train, cellphone, and is really important for us to live in a budget bcuz we have never been able to save, and its time to get serious time is runnning out my parents are not going to b here forever, its time to face the music they way it shouldve been done a long looong looooooooong time ago but our lazy asses were to spoiled to fucking realize it … lol 4 weeks ago
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I have done this just over three years ago. My bf helped me entering my bank statements from that year. We use Microsoft Money plus sunset edition. Great program for tracking income and expenses, setting a budget, forecast cashflow and so on. Very much recommended! 2 months ago
I went through all y bills totaled them up. I then added up things that we as a family wanted but didn’t have. I also added up our income and to see where we stood financially. I then compared the three total and if something on the wants list was pushing us over the limit then it was removed until a pay raise came our way. We have finally reached a point that all three lists are covered and we still have money for extra savings. 3 months ago
Go to college, you learn will about budgets xD
—> okay, I if I pay this for my room per month then I can spend about this many dollars on food per day. maybe I should cycle instead of take a car and I’d better no go to that party. 4 months ago
I always considered myself a saver when it came to money. But then I look at my bank account now and I think.. where the f#!&k did it all go!?
Its the little things that get me. A debit transaction here, oh look jeans only $20!, need a drink, a necklace there.. it all adds up. And Im broke. But its ok, Im a college student again so thats allowed I was told. The only reason Im going back to college is to get a job from it. My first attempt gave me nothing but more creative knowledge and no job outcome.
I need to follow that tv show (you know the one where she cuts up their cards and gives them a cash diet??) I need to follow that show and get my sh!t together. COME ON!
Broke Ass College Student.. (again) 5 months ago
Although I am not frivolous with money, I do indulge at times.
I am going to pen down all my expenditure into an excel sheet and analyse. 7 months ago
Make a budget and track it weekly to save enough to buy a car by Dec 2012 8 months ago
Need a new car, want to go on holiday, baby plans, ... I just try to write down what I spend every day and the costs that I have every month (like insurances, internet, telephone, ...). It’s not easy to save money – but it should be. 8 months ago