Post # 1
Wow, its been a while since I posted on here. I know lots of people are budgeting not just to save for a wedding but after marriage for everyday life. Can someone help me. I’ve been looking online for the kind of budget I want, but can’t seem to find exactly what I’m looking for. I’m wanting an Excel spreadsheet maybe that I can put in the dates I get paid (it differs every month because i get paid biweekly.) And then put all my bills in and figure out what bills need to be paid with which check and so on…Anyone have anything good they use similar to that, that really helps them stay on track? We just moved into a house and obviously the payments are a bit more a month than what our apartment was, so we’re really wanting to buckle down and stick to a tight budget for awhile until we can get a saving built up. Any input is helpful!
Post # 3
@busybride215: I actually made my own Excel spreadsheet that does exactly this. I have a list of all the dates I get paid (every other Thursday), and then columns for each of my bills. I put an X for each bill on the payday before it’s due, and then I can fill in the amount later once I know how much the bill is. I’d be happy to email it to you if you’re comfortable PMing me your email address!
Post # 4
Agree with Phamnomenon – an Excel sheet you tweak for yourself will be your best bet. Use hers to start with and then adjust as you need. One fun thing I do in my budgets is if i come in ‘under’ in a category, at the end of the month any extra goes into a category i call ‘slush’ – it builds up over a few months and then if we want to splurge on something it’s there to raid! Another thing I do in my budget is something I picked up from a financial planning person decades ago. You take larger non-recurring expenses and divide them up over the year in a ‘put and take’ category. So, for example, for gifts you may want to spend $600 over the course of the year. You put $50 ‘away’ each month on your budget, and then when you need to, and then spend it when you need to (so for example, you need to spend zero on gifts in months 1-4 but $150 in month 5, you’ve already saved it up and it’s ‘there’ for you to spend). Hope that makes sense, it works great for christmas, medical, gifts, vacations, etc. I love budgets! Hope you end up with one you love too!
Post # 5
- Wedding: October 2014 - Church
This is the document I changed so that you would be able to adjust it to your own. All you need to do is input the numbers (make sure you put negative numbers in your bills etc.) and change some of the columns and it will let you know how much money you have left over at the end of each week. Hope it helps. Cash flow definitely allows you to know how much you have in the end.