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Every year I tally my monthly expenses and try to set up a budget that makes sense so I have $ for big items, but it never lasts long.  I tried using envelopes with cash for each area (eating out, etc..) so I would stop when it runs out.  Any tips for sticking to a budget?

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    • +2 votes vote up vote up

      Vikki Hall wrote Mar 3, 2011
    • Asking yourself this over and over....

      Is what you want NOW worth giving up what you want LATER?




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    • 0 votes vote up vote up

      UK Girl wrote Mar 3, 2011
    • Vikki that is good advice - also if your doing a budget and setting aside money is it because you bought un-budgeted items or your bills have gone up a % from last year




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    • 0 votes vote up vote up

      Cathie Beck wrote Mar 3, 2011
    • Welcome, Brenda!  

      If you tally up the previous year’s expenses and still run over budget without building up savings, you need a new system and dissect your spending habits to make a change. Do you Really need to upgrade to the latest electronics or will your life end without it? That kind of thing, is what I mean.  

      Not to make you feel bad, but to let you know it’s possible.... I get only $700 a month in spousal support until the divorce is final and have savings I haven’t touched. I did sell a item of value to pay off a bill, add to my savings and have a little extra to buy the boots & new life for me dishes I wanted. Consider selling what you don’t actually need to buy a new something you just have to have.  

      Wishing you success!  

      Cathie




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    • 0 votes vote up vote up

      Cheekymonkey wrote Mar 3, 2011
    • Great advice Cathie. I think I need to talk to you!!!!! Lol Mark can budget he just doesn’t spend unless it’s a need. I am horrible. But I am good at setting a goal and reaching it for say something really big that I really want. Sorry other than that I got nothing.




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    • +1 votes vote up vote up

      Cathie Beck wrote Mar 4, 2011
    • Cris, I was our business manager & financial planner. ;oD   But, while single before the marriage I did do the emotional gratification shopping thing and to feed my repressed designer “self“. I’m a sucker for textiles with luscious colors and texture. Thankfully, I’ve always had a fear of being in debt too though. LOL  

      Cathie




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    • +2 votes vote up vote up

      Kyah wrote Mar 6, 2011
    • I have to stick to a budget because I’m single with no dependents, and I rent. I sock away a certain amount of money every pay period and forget it’s there. I buy what I need and save toward what I want. My desktop is 9 years old, my laptop is 5, my cell phone is 4, my 13” TV is 11 and my 19” TV is 26 years old and unless they break, I’m not buying anything new. I bring my own coffee to work, and I keep my lunch under $5.




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    • 0 votes vote up vote up

      Dori Robinson wrote Jun 29, 2011
    • I no longer use an ATM card, and I don’t use credit cards.  If I don’t have the cash in hand, I don’t buy it.  I am one of those suckers who walks into Target for toilet paper and shoelaces, and walks out two hours later with a $300 bill!!  However, now that I operate on cash only, I am much more strict with what I put into the cart!

      Now, I do use my credit card when I have to book flights, etc....but otherwise, it isn’t allowed out of my purse.




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