A budget, what?

I have to budget also and make a to do list which i have not done. Hubby had told me to make a to do list today and he will make one too and we will see what is there to be done by the end of this month. I have not done it and I am mylotting here. I have to do it now because he will get angry since it is very important since we want to start the restaurant by the end of this month. tourists are already flooding. Thanks for sharing and have a wonderful day ahead

I have a budget but it's not written down. I know about how much it takes for household expenses, groceries, and so on. My income fluctuates somewhat so it's hard to be real specific with it. Writing it down would take maybe a half hour for me. I do need to take charge of things a little better, but I know just what you mean about procrastinating!

I've never had a budget, or had to stick to a budget. Which I suppose makes me rather spoiled. I've always been on salary, so my pay is the same every month which makes it easier to keep an idea of where we're at in my head. Pretty much since we've been married and started putting everything in the same pot I've had a kind of 'system'. It only works because I'm cheap though. We use credit cards for pretty much everything we buy. Then on payday I pay off both cards, pay the bills as they come in, and then at the end of the month (or sometimes twice a month) anything extra goes into savings. If I don't put much into savings after one pay period then we tighten up spending over the next one. It's not a science by any means, and it only works for disciplined cheapos like my husband and I. And, it definitely doesn't help in your case, lol.

Creating a budget is simple. Following it and tracking is the challenge. A budget as in a diet is a wish list unless you have a way to track and follow it. It is pretty difficult to track all expenses that we do daily.

I never gave myself a budget, but now thats why I am living pay check to pay check. It is extremely wise to always have a budget. The best way to start is to figure out where you are spening all your money compared to your income. Only you can really decided what is needed and what isn't.

Hi,I got bit confuse about the budget you say,I think you mean the money expense relative to the income. But I see lots of person discuss about their schedule.Hahh,anyway,I do the buget plan about my money,but it seems not useful because money always not enough for my plan.And I also use Todo Apps,it is useful for the person who is always forget some important things good topic,hope u have a nice day,thanks

hi dawnald not on paper b ut in my head;I add up what bills i must pay,how much they are and when mylot pays I add that to funds available.. I have such little available funds I must get my bills paid first and foremost.this month I will make a budget as Ihave some extra bills.

Hi dawnald, I don't have a budget written down, but because I am on a fixed income, I do know what I will have every month.. with that in mind I kinda of have an idea in my head of what I am going to be doing with my monies in any given month... I am no where like my friend SJ who budget down to the penny...I never did it even when I was working so its just not a habit I ever I involved myself with...all I knew was that it was payday and I had to pay some bills...