how can i manage my budget better?
375731
One way I learned to make a budget was to save every receipt from everything I bought for one month, right down to fast food and gas. You may be suprised at what you spend money on. A little here and a little there adds up fast. Do that for a month and you can better write a budget for yourself.
64775
First you need to write everything you pay for in a month in a notebook. This will tell you where some of your spending problems are. After this create a  budget. Leave your self spending money so you don't feel like your depriving yourself. Many people will not leave anything for themselves , feel bad, and blow their budget. If you have credit cards put them in a metal coffee can and freeze them. This will take some of the impulse out of your spending because while you are taking the time to thaw them out you are really thinking whether or not the item is worth it. Thats why you put it in a metal can so you can't use the microwave. Lastly remember to pay yourself first. Always make sure to put something away in savings. If you can do this with direct deposit, I would recommend this highly so that after a couple of weeks you won't even remember that you had it. Good Luck:)
323699
Have you consider taking some kind of public transit system that would reduce your stress and expenses.\nWhen doing budget you need to ask yourself if you really need this or want it.\nNeed is something you must have.  Want is something you can cut off.  For example do you need to have cable T.V. or should you spend time with the kids instead of watching T.V.
396011
Setup expense categories budget, i.e. rent, electricity, food etc and after you subtract all of these expenses , you might end up with extra fund . Use that fund and call it others expenses or saving. You will use this category to cover non routine expenses or that you never through of such as car fixing. One important is to stick to your budget and never exceeding each.   \n\nExample \nSalary:           1000\nRent   200\nFood  175\n<<<\n<<<\n  ___\nTotal Expenses           955\nTotal Saving   45\n\nCall that 45 – Other Expenses
65086
1 pray to god\n2 save little from paycheck\nbe focused if you want to save money\n3 borrow from friends \nhope thats help
491760
Estimate your income and your expenses. For your expenses, determine the things you NEED to pay (rent, utilities, food, etc.) and then budget what is left for other things (savings, entertainment, clothing, etc.).
583838
Try download.com and search for 'household budget'. They should have some free ones to suite your needs. I did a search and a few came up. You may want to mix up the search terms to get some more results.
167132
You dont really have to get too technical here. Just keep a notedpad handy or a piece of paper in your wallet/purse and write down how much you spent and what you bought on all your purchases. Thats it. If you want to get fancy you can categorize them to bills, gas, food etc.... Keep it simple. Usually after a month you realize where most of your "lost" money is going.
238744
You need to put yourself on a budget! Budgets are the only way to save money. Look at your income, look at your expeditures. There's not much of a difference, is there? It's really easy to start a budget. Write down the things you need to buy, as opposed to things you want to buy. Arrange these things into categories, i.e., groceries, gas, insurance, cell phone bills, utilities, rent, etc... Pick a reasonable amount of money that you will spend each month on each categorie. For example: groceries $150, gas $60, cell phone bill $50. Don't leave anything out, and don't spend more than what you said you will spend. If you go over in a category, you must take from another. If you decide that you will spend $45 dollars on your cell phone bill, but the bill is $50, you'll have to lower your budget for another category by $5, just for that month.\n\nLook at what you have left. Let's say you made $5,000 one month and budgeted your necessary items at $4,500. You have $500 dollars left that you can blow on anything, but you haven't saved any money yet. You need to decide how much you're going to save. I would suggest all of it. But you can budget in things like going to the movies and buying CDs. Save what you have left. WRITE EVERYTHING DOWN! get a ledger book and write everything down. after a while you're savings will be phenominal!
128855
A written budget.  Do a written budget each month, for that month, showing every penny coming in for the month and assign each and every dollar to something.  Then stick to the budget.\n\nFor more on getting out of debt and growing wealth, check out http://www.daveramsey.com - not affiliated, just use the system.\n\nGood luck.
321338
Saving money is hard to do, but it can be done. Make you a budget with all your monthly expenses on it and than add a small amount for something extra that might come up that week or month which ever budget you are going to go by. After you have made it stick to it. It really is something you have to make up your mind to. Say you make a 500.00 weekly and your bills that week come to 398.00, what you would want to do after all the total is paid out is put at least 50.00 of that into saving or some other savings and don't touch it. Good luck...K
273776
First list all your expenses over a given time period like per month.\n\nNext list your income.\n\nAdd both up--if your expenses are greater than your income you need to do one of two things.  A: reduce your expenses or B: increase your income.\n\nOnce you have your needs covered, you give yourself something to spend that's extra but not too much.  Set up a regular savings plan with your bank.  Even if it's only a few dollars per month going into a savings account, it will add up.  Try not too look at it and let it grow so you will have it in case of a major emergency like losing your job or something like that.  Seeing a huge sale on collector dolls on the shopping channel is not a major emergency.\n\nOnce you learn to live within your means, everything else is downhill from there.  You might buy a book on personal finance.  They have lots of them at the local bookstore.  Or you can just go to your local library and read them for free!
163045
best way to settle them is to sit down and go over your monthly budget together, pay bills together.  do it the same time every month, have one household account that you both put in the amount you need to keep the account open and pay for all the household expenses.  Do it in equal amounts.  what's left at the end of the month from you individual paychecks is spending money and you can do with it what you want to.  ie save it, spend it, put it in your individual checking accounts or saving accounts.  (btw, household expenses includes food and clothing for the house ie yourselves and the kids.  gas for your cars needs to come out of your individual spending amounts.)  NOW KISS AND MAKE UP.
435348
To prepare a budget following steps should be taken:-\n\n1.Identify the inflows and outflows.\n2.Segregate the essential outflows and define outlays for them.\n3.Keep in mind that the outlays should not overshoot the inflows.\n4.Always keep buffer for the unexpected/unscheduled outflows.
468366
I've heard several tips for this from Clark Howard, I'll share some with you:\n\n1. No matter what, you pay yourself first.  Put SOMETHING away before you pay your bills, EVERYTIME you get paid.\n2. Never use change when you spend.  If something costs 11.49, pay the 12.00 and throw the change into some type of "bank" at home.  If something is 1.19, don't look in your purse for the change, spend the $2.00 and throw the .81 in the "bank."  People who did this were on his show telling how, at the end of the year they managed to save $2500, and went on vacation with the money!\n\n3. Something I used to do when I needed a little cash quickly, was pay two bills with the same money.  How?  you might ask.  Well easy, if you have a credit card.  What I used to do is, add up all my utilities, my cable bill, phone bill, electricity bill, and even my car insurance and sometimes car note... and pay my credit card with that amount.  It's great if you can pay your credit card OFF like this each month - then I would take the credit card and actually PAY the bills with it.  This way, your credit card is getting paid (maybe in full - resulting in even greater savings since you won't have to pay finance charges) AND all your utilities and bills are getting paid... with the same money. =)\n\n4. Find out your "latte factor" basically Clark says that we all have a "latte factor," something frivolous that we spend our money on everyday - like starbucks coffee, or whatever... he says when you find it, eliminate that expense and take the money you spend on it everyday and save it.  He computed that $5 a day every day for 5 years, could yield a savings of $12,000!\n\nHope that helps!!!
1107041
I suggest using the Personal Budget System offered by the Financial Freedom Society. http://your.ffsi.com/59173\n\nPoor financial health is the plague of the 21st century. Why? Because NOT ONE of us were ever taught in school how to effectively manage our money, or our time! This has caused snowballing debt, bankruptcies, business failures, divorces in record numbers and it has destroyed the retirement dreams of millions.\n\nThe Cure:\n\nThe Financial Freedom Society.\n\nThe Society's mission is to help eliminate those social diseases by providing affordable training, monthly coaching, and professional services and tools to the masses. \n\nFind out more and get the FREE report \ncalled "The Financial Freedom Formula" \nat: http://your.ffsi.com/59173 \n\nDarren J. Smalley\nIndependant Membership Consultant\nThe Financial Freedom Society\nhttp://your.ffsi.com/59173 \n"A Financial Health Club"
266110
Budgeting involves planning your and/or your family's revenue and expenditure. Basic things you need to do related to this are:\n\n* Monitor expenditure and revenue;\n\n* Review your budget periodically as a result of this new information or to set new goals;\n\n* Have a 60-40 rule with 60% in fixed bills and rent and 40% on discretionary expenditure and 10% on irregular expenditure, savings goals, retirement and fun;\n\n* Try to have your rent or mortgage at now more than 25% of the budget;\n\n* As far as possible, Keep It Simple Stupid.