(Closed) Why can’t we budget properly?

posted 8 years ago in Reception
Post # 3
Member
138 posts
Blushing bee
  • Wedding: May 2010

It’s all about keeping things in perspective. Sometimes when you have a long time to save for something it seems so far away and you lose sight. Plus, it never fails that something comes up that is out of your control.

My parents taught me a lesson long ago when it comes to saving money – always pay yourself first. Have a set amount you can put into savings and do it before you pay bills, ect. It’s easier said then done, but if done consistently, it does help.

Also, do you use a debit card a lot? When I get frustrated and ask myself “where does my money go” I print out a month’s worth of bank statements and highlight each category of spending (groceries, bills, entertainment, ect) and then I add each category up. I found that I was spending a lot of money on random misc, and unnecessary things like coffee, snacks, eating out…looking at where your money is really going helps you realize where you have bad spending habits.

Just my 2cents – good luck!

Post # 5
Member
1403 posts
Bumble bee
  • Wedding: August 2010

Wow $50-$100 for one night out to eat?  Must be a really nice restaurant!!  Send me the leftovers!  I suppose the casino isn’t helping, either.  Wink  Awesome that you’re paying your credit card off each month – you’re saving yourself a lot of money by not paying that interest.

My biggest give-up was clothes shopping.  I love getting new stuff to wear, but it was killing my budget so I went cold turkey… boy was I happy when I saw my statement the following month!  I sacrifice now and keep telling myself that in a few months I’ll be back to life as normal.

Post # 6
Member
48 posts
Newbee
  • Wedding: September 2010

do dave ramsey’s budgeting. He has grreat (painful) advise. I listen to his radio show too..

http://www.daveramsey.com/

 

He would tell you first of all to knock the lease off and buy a cheap used car. Dont go out to eat, etc.

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