What is the best way you found to budget your money ?
929712
I opened a savings account at a bank yet did not get an ATM card for the account.  I have money direct deposited from my paycheck into the account each month.  The money just sits there since it would be a pain to drive across town and stand in line to take any money out.  Basically, I just forget about the account unless an emergency comes along.
290951
Create a monthly budget. First, spend one month collecting receipts, bills, etc. and determining what percentage goes towards rent, food, entertainment, transportation, etc. From that, you can determine which costs could be eliminated. By doing that, you can determine how much you can save during a month!!
1098836
work and dont spend.\nlive with a lot of freinds and split the bills.\nlive in a box. stay a way from things like phones and tv and the intenet. ac and heat. and ride your bike. go to the libary for fun.\nbe cheap. or get another job like mow grass deliver papers. if you know pepole who dont like to clean charge them.
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.
92190
http://www.personalbudgeting.com/sample/sample.html\n\nhttp://www.personal-budget-planning-saving-money.com/
1182928
Doesn't have to be fancy. Start with your paycheck(s). Then estimate your daily/weekly expenses like groceries, parking, gas, bus tickets, coffee, etc. Now figure out what are your monthly expenses, like rent, car payment, and insurance. Divide those in half (not exactly right but close enough) and add to your expense list. Maybe you have other expenses that are less often, like some insurance. Set aside an amount each week so that you'll have enough when it's time ot pay. From there you need to see how good your guesses were, and compare how much you really spent to what you thought. Fine tune as you go.
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
374182
First you need to know what your net income is.  In case you don't know what this is:  Net income is the income after taxes (remember we have to pay Uncle Sam first) and other deductions.\n\nYou'll also need to know the expenses you have per month. \n\nI'll give you a typical budget.\n\nExample for a Monthly budget:\n\n2500.00 Net Income\n\n0850.00 Rent or Mortgage\n0100.00 House insurance\n0100.00 Gas\n0050.00 Phone\n0050.00 Electricity\n0040.00 Cell phone\n0250.00 Food\n0100.00 Clothes\n\n1540.00 Total expenses\n\n0960.00 Balance\n\nThere are expenses that you cannot change.  For instance, the rent or mortgage do not vary  unless you move somewhere else or get a new mortgage.\n\nEverything else on this budget can be changed.  \n\nIf you see that you don't have enough money to pay the rent, then don't eat out that much, don't buy those extra pair of sneakers just because they were beautiful.\n\nIn the above budget, you have 960.00 extra per month.  You can choose to spend it all on beautiful sneakers.  I would advise you to save some of it for a rainy day. After all, 950.00 on sneakers is pretty high.  Don't you think?\n\nBesides, if you don't own a house now, maybe you'll want to save it for a house. I don't know.  Maybe you prefer to go on a vacation.  My point is:  DO NOT SPEND ALL YOUR MONEY UNLESS YOU HAVE TO.  ONE DAY YOU MIGHT NEED IT.\n\nOf course, your budget might differ from above.  I  did not take diapers for your toddlers into consideration.  Neither did I take medical costs, babysitters, or entertainment into consideration.  \n\nI figure that this is enough for you to see how a budget works.  \n\nRemember, if your income is greater than your expenses, don't spend what you have left on stupid things.\n\nIf your income is less than your expenses, you are in big trouble.  Therefore, cut down on the expenses.\n\nKeep in mind, however, that sometimes you need to spend money on stupid things.  They nourish your soul.
957392
To me the best way to save money is put aside some amount every week systematically you can't miss one deposit, then forget about that money is there, there is no other way around unless you have several thou to play with..☺
839951
Budget, Budget, Budget.  You need to sit down and write up a budget.  If it ain't on the list and isn't absolutely required then it ain't gettin' done.  As you get used to this each pay period you'll get better at listing everything and estimating bills.  As you go through the month you'll be surprised at how much you'll be tempted to spend on non-requirements.  Make sure you factor in entertainment and food into your budget.  Budget is not a dirty word.  After you do it a few times you'll see it's not a burden.  BTW, get rid of that car or pay if off ASAP.  Alot of people retire poor because they always have a car payment.
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.
671977
figure out how much money you make in a given period of time (a month, a week, whatever). now, subtract essential things. rent, gas money, electricity bill, etc. \nnow, figure out how much is left. THAT number is how much you've been wasting. lol. so, you need to change it. cut back things that arent necesary. how much do you need to spend to have fun? figure out what's a fair figure to spend on yourself, and set that as a limit. but the majority of your extra cash should go in the bank. and make sure you're paying off the cards as aggressively as you can. dont just pay the minimums, see how much extra you can throw at it.
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
823106
Find a friend or family member who is good with money and ask them for their help and guidance.  It is always good to have personal help and not just read tips off of a website or book so that your situation, personality, likes and dislikes can be factored into your budget.  \n\nSuze Orman on CNBC Saturday nights is also a great resource!
1111900
YES....make a list of everything that you spend money on during a week or a month.......\nBE TRUTHFUL!!! list everything, and how much it costs......\nThen look at the list, and decide what things you can do without, you will easily find a few dollars here and there....\nA long time ago, i realized i was spending a lot of money (not to mention getting fat) going out to lunch at work...now i pack a lunch, which saves some $$$ and also is healthier.
460428
Are you talking about personal or at work?\n\nI use a spread sheet for my personal budget. I keep it up on a regular basis and reconcile any problems on a monthly basis.\n\nA key point is that I "charge" any credit card purchases as soon as the purchase is made. Just like I had written a check.
458650
Yes I do. First thing is take your credit card and hide it somewhere that you would have to break something you like open in order to get access to it. For example, your makeup compact that costs a lot. Hide your credit card in there and make sure the only way you can get it is if you break your compact open. This way everytime you are tempted to spend, you wont want to because you wont want to break your compact. Also when food shopping get coupons and look for bigger packages with speacial deals. A few penny's here and there makes a huge difference. Lastly, every paycheck you get set aside $50, even when you owe bills. This will help you out in the long run and remember only get what you need because what you dont have you dont need at all.