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| Do you make/follow a budget? | | Yes, I know where every cent is going before I even earn it | | 23% | [ 3 ] | | Well… I make a budget, but I rarely stick to it | | 0% | [ 0 ] | | I rough things out in my head, and then do my best to follow it (sort of) | | 38% | [ 5 ] | | I tend to save/invest first, and then let the chips fall where they may | | 0% | [ 0 ] | | Budget? What’s a budget? | | 0% | [ 0 ] | | Other (explain in comments) | | 38% | [ 5 ] |
| | Total Votes : 13 | | |
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Vicki
Administrator
  
Age : 40
Joined : 12 Oct 2006
Posts : 2931
Localisation : Chesapeake Beach, Maryland
|  Subject: Budgets....  Mon 27 Nov 2006, 10:46 am | |
| answer by ticking boxes
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Vicki
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gayla50
Moderator
Age : 53
Joined : 12 Oct 2006
Posts : 3492
Localisation : Western North Carolina
| | Subject: Re: Budgets.... Mon 27 Nov 2006, 2:31 pm | |
| I do the bookkeepng for my husbands company I pay all the busines expensive and our household expenses... we prepay every bill we can we have a budget for food and other things .
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Gayla
"They take great pride in making their dinner cost much; I take my pride in making my dinner cost so little."
---Henry David Thoreau (1817-1862)
Last edited by on Tue 28 Nov 2006, 5:52 pm; edited 1 time in total |
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GentleRain
Very Valuable Member
Age : 44
Joined : 12 Oct 2006
Posts : 685
| | Subject: Re: Budgets.... Mon 27 Nov 2006, 7:19 pm | |
| I was not sure what to mark so I picked other. We do have a budget, but it has to be written out each month because our income can change from month to month. We add up and pay all the bills and then see what is left over and decide how much we have for groceries and gas.
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skinflint
Very Valuable Member
Joined : 13 Oct 2006
Posts : 1877
Localisation : Queensland, Australia
| | Subject: Re: Budgets.... Mon 27 Nov 2006, 8:02 pm | |
| I love the ... 'sort of'....lol! But that's me!
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~ By sowing frugality we reap liberty, a golden harvest. --Agesilaus ~ |
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mmg2681
Moderator
 
Age : 27
Joined : 13 Oct 2006
Posts : 752
Localisation : Newton Falls, OH
| | Subject: Re: Budgets.... Mon 27 Nov 2006, 8:46 pm | |
| I have a budget written out and have for many years. My budget is per pay (15th & 30th of the month). My first paycheck, 1/2 the mortgage is put into a savings account, my car payment is put into a savings account, I give myself $175 for gas,shopping,food, gifts,everything else. Anything I have over this amount goes toward paying off credit card debt and investing.
My second paycheck, 1/2 the mortgage goes into an account, I pay my utilities, give myself $175 for the next two weeks, and the rest is to pay off credit card bills and investing.
I said in my head, because I know the budget in and out. That does not mean I dont over-spend some months, or underspend others. It kind of evens out, I think (I hope!). :-)
~M
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"It is not how much money you make - it is how you spend it."
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kim
Moderator
 
Age : 27
Joined : 12 Oct 2006
Posts : 1790
| | Subject: Re: Budgets.... Tue 28 Nov 2006, 6:56 am | |
| We don't really have a budget...but we pay a bill every Friday and we spend about the same everywhere else from year to year...not too exciting!
kim |
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Dancing Feather
Very Valuable Member
Age : 43
Joined : 13 Oct 2006
Posts : 266
Localisation : South Shore, Mass.
| | Subject: Re: Budgets.... Tue 28 Nov 2006, 5:18 pm | |
| | My big expenses like mortgage and car payments are budgeted and money is put into a special account just for them. The utilities and food are estimated and accounted for in my head. Savings and investing is done before we get my paycheck so that is always taken care of first. The rest of the money seems to slip through without a lot to show for it. In 2007 I want to make more of a concentrated effort to save more and know where all the money goes. |
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mmg2681
Moderator
Age : 27
Joined : 13 Oct 2006
Posts : 752
Localisation : Newton Falls, OH
| | Subject: Re: Budgets.... Tue 28 Nov 2006, 6:55 pm | |
| DF - I was thinking the same thing.
I would really like to account for everything I spend in 2007. And even stop eating out at my favorite sushi place so much (right now, it is once a week).
That in itself will save at least $1,000. That is money that can be put toward credit card debt, or investing in retiring early! :-)
~M
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"It is not how much money you make - it is how you spend it."
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gayla50
Moderator
Age : 53
Joined : 12 Oct 2006
Posts : 3492
Localisation : Western North Carolina
| | Subject: Re: Budgets.... Fri 01 Dec 2006, 11:14 am | |
| I am reading Momney Matters by Larry Burkett.. in it he says you have a budget not matter is you think you dont.
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Gayla
"They take great pride in making their dinner cost much; I take my pride in making my dinner cost so little."
---Henry David Thoreau (1817-1862) |
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cheapy
Very Valuable Member
Joined : 12 Oct 2006
Posts : 389
| | Subject: Re: Budgets.... Mon 04 Dec 2006, 6:34 am | |
| I voted for "Other". We definitely have a budget....for things like bills, food, mortgage,etc....and that gets put away first. We even have the vacation account and an envelope we use to budget "Gift" money for a birthday,anniversary,etc.
As for spending on other things like clothing,the kids' extracurricular activities, etc. that comes out of my husband's and my "allowance". Sometimes our allowances aren't enough, especially for me~ :seesaw: and that's where the CC comes into play. I usually do pay it all off at the end of each month though. But sometimes I don't and pay half. |
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