have you ever realized how much you spend a month?

Lately our budget has been out of whack. So many things have come up that it has thrown our budget out so infact we have been spending more than usual.

It's amazing how much money you really spend in a month without really even realizing it. I saw a thing on tv that said to write down everything you buy in a month, even a cup of coffee, so that you can get a real idea of how much money is going out. I was shocked to add it up at the end of the month. All the coffee and lunchs out really added up. Thank God I'm not a smoker, that would be so expensive. Anyways, after doing that little exercise I cut out a lot of the unneccessary extras and have been able to save quite a bit more money each month.

Get more money or buy less stuff. either or. I know how much I spend a month and I despise it.

No, I never really realize how much I spend in a month, but I'm pretty sure that I don't spend too much money on my own budget. Most of the budget from this family are just for the kids and basic thing like foods, house. My husband is the one who in charge on the basic expenses for this family.

I had noted down the expense of everyday at one time.Well,sometimes I would feget to do so.Thus,I usually can't tell the account of the month.I mainly spend money on eating,fruit,clothes,book... Frankly,It is most important that we should practice economy.That is,try to make both ends meet.

I have a budget in my head but need to write it down on paper and keep better track. Its doable but I tend to procrastinate that part of the process. I know that if I write it out and keep closer track that things will be paid on time and I will not be incurring late payments and such.

My wife has been keepting accounts for the past 15 years and she knows how much money we are spending every month on accounts like groceries, education, diningout, clothes, consumer durables, vegetables,miscellaneous etc. Since the pattern is almost same year after year with increase in prices (inflation) it does not make much difference because there is increase in earnings too. It is a budgeted and earmarked.There is no shocking. If monthly expenditure abnormally increases, we apply checks and measures to bring it under control in the next month spending.

No. it is impossible to keep spending result.

its true about the expenses. Each month I want to make budget. But I can never stick to it. I always overspend. When I look at my expenses its a shock to me too. I have seen that every month there are so many things come taht i need to spend something extra.

When I was growing my father taught me a lesson that to this day I remind myself on a daily basis. My father was the type of person who would buy whatever he wanted. Sometimes not leaving any money to pay the household bills. I loved my father dearly but I knew when I was growing up that I didn't want to continue to live that way. Now as an adult I have no credit cards. The onl debt I have is my house payment, which I keep one payment ahead in case of emergency. The total of our household expenses is eighteen hundred dollars a month including all expenses. This is for a family of five so I don't think that we do to bad managing our bills.

Well, reality bites as they say. I used to be shocked too by my daily expenses and had a hard time budgeting my measly income. Not to mention that I was hard put when I think of where I put all my earnings. Then I read somewhere that I should keep track of all my expenses and my income. So daily, I have a list of all my cash out and also of my salary and some other income. This way, I get to see where my money is going and can make some good decisions on where I could cut back on expenses and have real savings.

The beginning of this year I started writing down every since cent that came in and went out. I was trying to pay down so me debt so I wanted to keep track of my expenses. It was a real wake up call when I saw that one month I spent more than I bought in. That made me stop right there and find ways of cutting unnecessary spending. I think for you keeping a journal will help you track your expenses. You can find simple ways of cutting out unnecessary spending when you know where all your money is going.