It's been a while since I've given any good budgeting tips... something I need to do more often for sure. Anyhow, I just read this article from All You magazine and besides the advertisements, it is a great place to start if you are feeling a bit overwhelmed with how to manage your money.
Learn How to Make a Budget(Basics):
-Calculate What You Spend
-Get organized(track your spending)
-Add up the numbers
-Develop a plan to fit your lifestyle
-Stick to your plan
I especially like how it says that if your budget makes you feel like you are wearing a straight jacket then you need to change it up. But always remember to live on less than you make!
I would just add that you NEED to use cash(debit cards & checks count as long as you aren't going into the overdraft!!)
Even with a debit card, we tend to overspend... the cash envelope system may be the way to go for you if you keep finding it hard to track your expenses.
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I would just add that you NEED to use cash(debit cards & checks count as long as you aren't going into the overdraft!!)
Even with a debit card, we tend to overspend... the cash envelope system may be the way to go for you if you keep finding it hard to track your expenses.
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