Create a budget

but I find it is even harder to have a budget when you have money in the bank. Anyone else in the ‘why not?’ mindset?

i owe so much money in school its not even funny! in order for myself to want to do the things in life that i want to do, i am going to have to learn to budget my money. it is hard for me to do this because i am a person that is not very pacient. when i want something, i want it right away! this trait of mine makes it hard for me to control my spending for future dreams.

This took me abot 2 hours. I took all my old bills. all my current bills and all my expenses. Then decided how much I could afford to give to my old bills. How much I have to pay per month for my current blls and then how much money comes in. Then how much left over could go to savings! In fact if I follow it we can put 200 dollars in to savings every month.

I spend more money than i make, not because I have loans or credit cards but because i ask my Dad to bail me out or give me money for creature comforts I can go without.

I don’t want to do that anymore, not just because my friends give me crap constantly about it or the fact that Dad doesn’t actually have the money that he gives me but because I want to look at something and think “I paid for that myself, by working. It was all me” I’ve never been able to do that before. I should be able too.

Hopefully I can work out a budget that lets me spend money on the things I love [I’ll be the first to admit I’m very materialist and love expensive things] and keep myself without needed my parents help.

Now…the Hard part is Sticking to it. Yeah!!! My first goal completed on 43things.com

.Save 50 bucks every paycheck

.cancel my insurance, and get another one health insurance, so that I can afford

.write a grocery list, and only get what I need

.DO NOT BUY GAMES ON MY CELLPHONE

.NO MORE FAST FOODDDDDD

.Do not use my credit card only on EMERGENY

I mean this is my budget so, this is what I have to do,

I made a very basic budget using Quicken Online. It’s free, and seems pretty cool… my income is sporadic because I work for myself, so it always thinks I’m not going to make any money… but aside from that, I was able to set make financial goals that I can track and make sure that I achieve.

I’m going to go on and mark this goal as complete. If this budget doesn’t serve me the way I think it will, then I’ll have to go back and try something else, but so far, so good. I’ve been using it for about a month now.

Health

I have a business degree and I am the WORST with money. I want to be confident that I know where my funds are going!

I’ve had a similar goal on my list for quite some time. In an effort to change things up and become more specific in what I wish to accomplish, I’ve removed the old goal and added this goal.

I’ve read quite a bit about budgeting and have several books and access to websites with tons of information on the subject… and yet I’ve failed to develop and implement a proper budget. With the economy getting the way it is (and my increasing desire to live more simply), I have to do this.

I am giving myself till the end of the month to create a working budget. After that, I will mark this goal as done and add another goal about implementing the budget. I want to be on a budget and living it no later than my 28th birthday in May.