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Mktonght · 61-69, M
The Dave Ramsay concept is good.
My best advise is to go to a quiet place and write down on a piece of paper all of the expenses you have that are "critical" rent, car payment ,loan payment etc. Then write down all of the other expenses you normally spend you money on, plus include saving ((at least 5-10% of your total monthly income) add these up and subtract from your monthly income.
If the expenses are greater then the income start looking at the non critical expenses and either cut them out or at least pare them down to be equal to or less then the income.
The tough part is disciplining yourself to stick to it.
My best advise is to go to a quiet place and write down on a piece of paper all of the expenses you have that are "critical" rent, car payment ,loan payment etc. Then write down all of the other expenses you normally spend you money on, plus include saving ((at least 5-10% of your total monthly income) add these up and subtract from your monthly income.
If the expenses are greater then the income start looking at the non critical expenses and either cut them out or at least pare them down to be equal to or less then the income.
The tough part is disciplining yourself to stick to it.
GlassDog · 46-50, M
Alvin Hall seems to know what he's talking about:
https://alvinhall.com/
If you're British, better options are:
https://www.moneysavingexpert.com
https://www.moneysupermarket.com
Everyone I know swears by them.
I'd look at getting hold of Microsoft Money too.
https://alvinhall.com/
If you're British, better options are:
https://www.moneysavingexpert.com
https://www.moneysupermarket.com
Everyone I know swears by them.
I'd look at getting hold of Microsoft Money too.
Mistypetal · F
Figure out how much living expenses are and set aside for that, set a percentage that you want to put into savings and have a portion for pleasure spending so you don't feel too restricted.
MarineBob · 56-60, M
Most banks will be glad to assist you, even better if you use a small bank that offers personal service and isn't worried about the amount of time spent with one customer
SW-User
Just put aside 30% from what you got monthly no matter what happen. Live just only from 70% of what you get. That's the best budgeting I can come up with.
Mktonght · 61-69, M
The Dave Ramsay concept is sound. My best advise is write down on a sheet of paper \