How to make a household budget?
817078
simple\ncash in v.s. cash out\npay food 1st \nrent 2nd\nutilities 3rd\ntransportation 4th\nsmallest bills next till gone\nlarger bills minimum pay\nwrite ALL cash out in daily log to see where you are bleeding daily. All members of family do this for month or two.\nvisit daveramsey.com for info you need before you find less money than month.
235800
•use your car as little as possible. sell it, if practical.\n•cook all or most of your food from scratch. (cook ahead and freeze if your time is at a premium.) processed food is always more expensive. \n•evaluate what beauty products you need or can give up. (most of them are strictly consumer products that are unnecessary if you think about it.) \n•go vegetarian--meat is very expensive. \n•when you have the urge to buy new clothes, always go to the thrift store or Goodwill first.\n•get a breadmaker, and always bake your own. \n•insulate your home. (there are often agencies who help with this.)\n•wash and re-use baggies until they break down.\n•entertain at home (dinner parties, rent movies) rather than going out.\n•buy used, whenever practical.\n•use less than the recommended amounts for most products you buy. (for instance, i recently found out that a much smaller amount of powder laundry detergent works just as well for most types of loads. this also applies to shampoo, toothpaste, dish soap... they want you to use as much of their product as they can persuade you. it's mostly a scam.)
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.
566194
Could you provide a little more detail please? The approximate amount that you are short by?\n\n\n\nOne good way to start is to start saving. That sounds very obvious, but please hold on. In the US there is not much emphasis placed on saving, no one teaches you how to save. Small things go a long way, for example a coffee everyday costs you $100 a month depending on where you live: so dropping that habit saves $100! And its good for your health and heart. Smoking is another example, but unfortunately its harder to let go. \n\nSaving on fuel: try using the bus for medium distance commutes. Its not bad, trust me! I take the bus to work everyday. I get my commute done in $40 per month.\n\nYou pitched in to help your family, so its time for them to help you back. Don't hesitate to ask them to babysit your kid once in a while. That I believe saves a lot. If they don't, or if you think they are neglecting your kid, its time to break that parasitic relationship.\n\nTry looking for a job that permit you to work from home, so that you don't need a babysitter. Anything that involves typing for example. But beware of internet job sites, a majority of them are hoaxes. For example, the secret-shopping thing is a hoax 99% of the time. If an offer sounds too good to be true, it is probably not true. \n\nIf you have a kid old enough to do math, it is good idea for you and him/her to let him/her calculate your credit vs. debit everyday. Initially it may be cumbersome and more tiring than doing the darn thing yourself, but it pays off in the long run. Maybe you can ask him/her to sit down while you are cooking, and you recall today's expenses and earnings. He can enter them in two columns, add entries in each column and subtract to give nett daily savings. My mom did that to me :-)\n\nhttp://answers.yahoo.com/question/;_ylt=AtScV0GM2DTZVRGW1tmxxuYezKIX?qid=1006050319925\nlooks to be a professional answer.
81660
well first off u need to figure out what are ur priority expenses. when u get paid u need to set aside the money u need to pay whatever bills need to be paid.. then whatever is left is your money.. take 60% of what u have left and that is for u and the other 40% u need to bank it and never touch it... and u do that every pay week.. if u stay steady to it u will have no problem in saving money. secondly, u need to knwo when to say no. if your a type of person who loves to spend money then u ned to tell yourslef No . spend only what u need and buy only what is needed.... if u need anything else i am here for you
857451
►They must know that you are doing it from the heart not the pocket.\n\nGet a nice card and attach an invitation to cook them  dinner at their house ( you will provide the groceries) ask to give you a couple of days advance notice to coordinate. Put choices such as:\n\n♥Romantic Dinner ( you cook decorate and leave)\n☺Family BBQ \n║I need your help dinner\n\nAlso the mess you make you clean.
584608
Budget Creation 101\n\nGet a sheet of paper and list all your income on it at the top.\n\nThis is the order you will pay you bills in:\n\nNecessary expenses.  Shelter (mortgage/rent, utilities - electric, gas water - NOT cell phone, cable/satellite, internet), food (not fast food or restaurant food), clothing, transportation (gas, insurance - NOT auto loan), and savings for emergencies.  If you are here and have run out of money, you need to get another/better job.\n\nAfter this, discretionary spending.  Cable/satellite, internet, cell phone, fast food/restaurants, life insurance (necessary if you have dependents), auto maint (oil changes, registration), home repair/maint (if you own).  If you get to here and run out of money, it's time to start cutting things.\n\nFinally, debt.  Credit cards, student loans, auto loan.  List each loan separately from lowest balance to highest, including what the minimum payments are.  If you get to this point and run out, you either need to decrease some discretionary expenses or come up with more money (2nd job, yard sale or eBay, or sell the car and buy a cheaper one then use the 'profit' to pay debt).\n\nIf you don't tell your money where to go, it will still go.\n\nFor some sample budgets, check out Dave Ramsey's website.
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.
215201
Pay yourself first!  Start by sitting down and budgeting out your essentials, with costs as accurate as possible.  Then take a look at the money you have left over, and designate how much you can afford to save.  Tell your bank to set up an automatic debit to your savings account for each time you get paid.  When you do this, you pay yourself first, and you know that your bills are paid, you have savings, and the rest is yours to spend as you wish!  When you can't have access to the money, you can't spend it, and it works great for me.  Good luck!
938189
Figure out how much you make each month - take home, not gross. Figure out how much you owe each month. How much is left over? That is what you live on and/or SAVE and/or use to pay off high interest loans, credit cards, etc. If there is no money left over then you need to get better paying job or a second job.\n \nDon't spend more than you earn. Don't use credit cards unless you can pay off the balance each month. Clip and use food coupons. Ask yourself if you will be terribly inconvenienced if you don't buy *whatever*. Keep your car tires inflated so you don't waste gas. Carpool. No impulse buying. Go to the library and read books on bugeting and saving money.
44940
create a new budget that is smaller.  This may mean having only one car, or less extras like eating out and fast food.  There are many areas that you can cut the corners.  I have been staying at home for 9 years now and it is only the last 4 years that I have been working at home with my own business.  I do it for fun not because our budget demands it.  \n\nGood luck with it.  If you can't do it in the situation you are in.. either you have to change the budget or your husband needs to get a better paying job.  If both of those are maxed to as good as you both can do - then you may have to work.
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.
715027
Total up all your costs on paper and divide it by 2. Highlight the amount an leave it for him so that he can see what you are talking about. You are not the only person who lives in your home - you both do. You both are responsible for the household. If you feel strongly about it, let him know that if he doesn't pull his share, he can do it all on his own - as a single man.
1002519
The best thing I did to save money is own my own home.  It's paid off as well as any debts a person would normally have.  This has allowed me to have my paycheck for my own use.  I've built on to the house using money earned one week at a time.  To get like this I cook my own meals, bring my lunch, drink homemade tea instead of soda.  I shop carefully and buy used when I can.  I live well at 7.15 an hour part time.
1123216
Most budgets are directly based on the amount of cash inflow. It's pretty much as simple as that. Base what you spend on what you earn. Manipulate the way you spend to fit the amount you earn.
228528
You need to budget your money and get a mind-set to allow yourself only so much per account. \nExample: $250 net income/week\n         $100 car\n         $100 food, gas, laundry, etc \n          $50 spending money\nBudget will be tight, but very satisfying when you make your goal. Also, try not to loan out money you may not get back, or will be slow being repaid. Another thing that can make money disappear quickly is taking others out to eat as "your treat"\n\nGood luck!!
193873
Start by making a budget and stick to it you can not save money by accident you must do it on purpose. I think the best way to start is in a book written by Dave Ramsey called Financial Peace. He has written several books but that is the first and very good "More than enough" is his second book and very good also if you like the first. His books are available in any book store and many library's. Good luck to you.