How can you make a good budget plan about how to spend your money if you had a job?
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
1116708
set up a budget and stick to it, save a certain amount of money a month and just do your best to stick to that budget and someday you will be free, winning the lottery can help too
1016223
I was in the same boat as you once. What I did was I sat down and wrote out a budget. I listed everything I spent money on for the last 2 months and looked at my income. I quickly figured out a lot of things on my expenses were stupid and a waste of money. I cooked at home more instead of going out, I stopped buying coffee at starbucks everyday, I learned to buy soda when it was on sale. Before you knew it, I freed up about $300 extra a month. So really look at your expenses and think about what you need and what you want. Big difference in that.
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.
392828
I don't really have any hot tips on how to do this. Here are a few things to consider.\n\nFirst of all, you need to know how much you have to spend to live. That requires a budget. That will give you an idea of the amount that you could then save. Certain expenses are unavoidable:\n\nrent or house payment\nutilities\ntaxes\ngasoline to get to and from work\n\nOther expenses are subject to some reduction\n\nfood\nbeer\nclothing\nentertainment\nif you live within 7 miles of work, consider riding your bike. \n\nThen there is the possibility of additional sources of income:\n\nhome repair\nmowing lawns\ntemp work at Home Depot, etc.\nif you are single and renting, a roommate or several to share expenses.\n\nThen there is roi. Once you save your money, you want to receive the best roi that you can. That implies putting it to work in the best manner. Definitely, avoid the bank except for expenses and emergency funds.
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.
391104
Budgets have never worked for me, but I find if I put money in a hard-to-reach savings account the first day I get paid, I automatically spend less that way.\n\n...and then you can spend the rest as you like, it just has to get you to the end of the month.  DVD players aren't that expensive nowadays...I don't know much about facials, but as I said, once you have put money aside, the remaining funds just have to get you to your next paycheck...if you make a mistake, the savings account is still there in that hard-to-get-at-but-reachable location.
446038
First of all you do not spend ANYTHING until you pay all of your bills for the month.  After that, decide what you need for the month for necessity items ie: laundry detergent, shampoo, garbage bags, etc.  Then you need to determine your grocery needs for the month and spend this amount only.\nAfter that you will know what you have left over and it is your decision to get that "hair cut", buy that shirt, go to the movies with friends, etc.  \nYou also should hold some money back for emergency reasons. Such as...you got into a car accident and you need to pay your deductible.  You need to pay for some medication, things like that.  \nDo not live like you want to live and cannot afford to live this way.  Just prioritize.  Bills first!!
719729
Do you own a  home or rent, own a car or public transport, pay utilities, or are utilities paid with rent, do you eat alot, or a little, do you consume only name brand, or are generics just as good? These are the types of question you need to ask yourself and your wife. and keep rolling from there. How much money do you spend each month? each week, each day. How many bills do you pay for. How much in student loans do you owe, do you have a payment plan, add that payment, plus the car insurance plus the gas used plus the rent/mortgage, pluse insurance there, plus utilities, plus food, plus activities, plus clothes, plus contingency(accidents and emergencies) plus smoking?, plus you can get it from here  (dont forget about the child's expenses) Add all that up, and see how much a month you pay out, figure out how much you need to add to savings, be it 200 a month, 500 and remember to be reasonable. Basically find out what you pay out, what you need to reserve and then match that or beat it with a higher pay. Look at what your skill level is and what the demand for that skill is in your area, that will also help to determine whether or not you will get what you want, or if you need to move  =-)
123703
Set a realistic budget broken down into categories. Keep track of your expenditures AS YOU MAKE THEM and adjust your future expenditures if you go over budget in one area or the other.
791477
Start tracking EVERYTHING you spend now. And have your boyfriend do the same. THen compare notes and see where you would be saving money. It's hard to say that you should expect to spend XYZ amount per month on groceries. Depends on what you like to eat and whether you shop for top brands, whether you use coupons, and so on. You can get a newspaper or check online for housing costs in the area you plan to move so that will help you figure out rent costs. But by tracking your budgets now and then comparing you should get a good idea of what you both spend your money on, wher eyou can trim costs and save money and so on.
672516
Stop spending, cut your spending.\n\nPlan a budget, and save.
186368
First off, understand that a budget isn't to save money, it's to tell your money what it's going to be doing for the next month or so.  You can stay on a budget and not pay your bills, shop 'til you drop, and not save a penny.  You are still on a budget as long as that's what you planned to do.\n\nHowever, if you want to save and pay your bills, you set up the budget to address those desires.  A month makes a good time-frame for a budget, so only list that one month's income, and then determine where every dollar is going to go.  Hopefully some will be left over for savings after paying bills, planning for occasional expenses (quarterly insurance, tag, whatever), buying some groceries, and so forth.  After doing the budget and working on the final numbers with your spouse (if applicable), agree to stick to it.  Never spend any money that isn't planned for by the budget.  "Hey," you say, "what if something comes up I forgot about?"  Simple - call an Emergency Budget Summit Meeting with your spouse.  I.e., sit down and figure out where the money is going to come from.  Scrimp a bit on food, cut back on entertainment, whatever - adjust the budget to include the unexpected expense.  Doing this will force you to accept that the money has to come from somewhere other than that darned useful Visa card (that will kill you over time).\n\nYour best bet for an entire plan of attack is Dave Ramsey's book _My Total Money Makeover_, usually available at the local library (or at your local bookstore).  _Financial Peace_, also by Ramsey, is also a good choice but MTMM is the latest.  Ramsey's plan is a systematic way to get out of debt and build wealth -- a realistic way, which means you won't be rich next month.  You can also take a look at http://www.daveramsey.com but the book is a better introduction to the system.\n\nI'm not affiliated with Ramsey, I just used his ideas and know they work.\n\nGood luck.
66736
You need a budget.  Prior to every month, plan a budget based on all income for the month.  Assign every dollar you'll be getting to an expense or savings.  Then stick to the budget.  If something unexpected comes up (car repair, medical bill) then revisit and adjust the budget prior to spending the money.  Never spend money not planned for with the budget.\n\nGet an emergency fund to handle small emergencies, pay off any debt you owe, and follow the budget.  You'll be saving in no time.
1100596
The best thing to do is set short term goals for yourself. I have a hard time saving money on a long term basis but if I know I need to save this much this pay check I can do that.\nEach pay check just put a certain amount aside. You really do not need those new shoes or a new pair of jeans. Even if it is only $20 that adds up!\nWhen you have enough for what you need go get it right away do not keep saving!\nJust use self control.
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!
951478
Hide your money in a safe place. When it's not lying around, you won't remember to spend it.\n\nDon't bring too much money whenever you're out and about because you'll be tempted to spend it.\n\nWhenever you pick up anything you want to buy, ask yourself why you want it, do you really need it now or at all, is it worth it, how will it benefit you, is there anything wrong with it, could you get a better deal somewhere else, etc.