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
How I did it: I put the Mint.com app on my phone and put all of our account information into it: banking, credit cards, retirement accounts, etc. It keeps track almost effortlessly of everything we spend and is pretty smart about how to categorize items. I think it's really going to help us pay off the debt we've accumulated since having skylights installed, and to save more money. Read how I did it… 3 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