Anyone else call for a budget? I can not control my spending. ugh

I can not control my spending. ugh

Here's a little aid:

http://financialbasics.blogspot.com/2006...

http://financialbasics.blogspot.com/2006...

http://financialbasics.blogspot.com/2006...

Good luck!

I sooooo need a budget, I'm broke right immediately because I can't manage my money! I used to be so obedient at it...good luck!

Answers: Me too! I've been trying to stockpile money because I should have approach more than I do. This growing up thing kinda sucks. I even go as far as putting a sticker on my debit card saying not to devour out and only buy if I inevitability somthing. It's been helping rather bit. Another trick my aunt did was put your credit/debit card contained by a pail near water and stick it surrounded by the freezer that way inorder to buy something you stipulation to wait for it to defrost, that method you need to really requirement it. If you should decide to do it you might want to transport out a little emergency money merely incase.

If you are a little methodical savvy use a spreadsheet (i.e. Microsoft Excel). QuickBooks and Quicken are good, but I prefer to customize my finances using spreadsheets. Each credit card I hold had a place for the due date, stability, customer service number, account number, usage percentage, amount due, date established, and my personal rating of the credit card. With this information, I can create a total stability off adjectives my finances, my total credit usage, and specific category balances (i.e. student loans, credit, sports car loans, and mortgages).

I have another subsection of monthly expenses (spanning 6 months). This has every monthly expense such as credit, loans, utilities, cable, cell, insurance, gas, necessities, rent/mortgages, and allowances. Using this article, I can play with the numbers if I want to salary off accounts, factor within vacation expenses, or other further expenses.

i totally deduce I'm so bad that i enjoy to give my money to my boyfriend he looks after it and i acquire it only as i ask for it it really does relief , even though i sound distressing

I just set my sister up next to Microsoft Money and she loves it. I've been using it for years. You can download a free 90 hours of daylight trial from Microsoft, try it out.

It's difficult to live on a budget if you don't have the discipline. To me it sounds approaching you need to catch control of yourself. Don't bother buying any new software, use Excel or some publication similar to that. All you have to do is track adjectives your expenses for at least one month. Rent, utilities, phone, cable, groceries, consumption out, entertainment, insurance, the list go on... From there you will see what you spend and what it is spent on. Next, brand name sure the necessities are paid. Luxuries such as cable, internet, ingestion out, clothes, etc will need to be cut down to control your spending. You are clearly living beyond your routine and you need to revise to live off of your income and not credit cards. Go to http://www.oprah.com and run to her Debt Diet section. There are some great tools you can utilize, even a monthly expense sheet you can dance by.

No. Thankfully I am used to budgeting at work and analyzing financial data, so that have helped me surrounded by my personal life. You can try Quicken.