Budgeting help - The Horse Forum

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post #1 of 29 Old 02-21-2013, 01:52 PM Thread Starter
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Budgeting help

Alright. I will be the first to admit it. When it comes to finances, I fail epically. However, in light of recent events, I am turning over a new leaf. I'm tired of living paycheck-to-paycheck and never knowing if I have enough money or if I'm going to be able to do anything.

So, I'm going to start budgeting. My boyfriend just got a (paying) job and finds out on Monday exactly how much he'll be making. So that means that before then, I need to have a system devised to help me keep track of finances.

I'm looking for any and all budgeting tips and tricks, from how to get started, to what tools to use. Are there apps for this sort of thing (we both have iPhones)?
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post #2 of 29 Old 02-21-2013, 02:07 PM
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I prefer spreadsheets.

First make a list of all your bills. Write down what the bill is for, when its due and how much its for. Then write down your other expenses that vary like gas, groceries.

It's easier IMO to do this in date order. Arrange the bills by due date. Arrange other expenses by how often you do them - if you grocery shop once a week, make 4 entries, etc. Add the lines for the dates of your paychecks. Figure out how much you spend on things like groceries and gas. Remember to be sensible in those numbers because you want to be as close to the expense as possible. From whatever is left over, take some for savings and some for free spending. After all that, whatever is left should be allocated to a debt you're trying to pay off or go back into savings.

Hope that helps start you off.
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post #3 of 29 Old 02-21-2013, 02:11 PM
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don't eat out and save 10% of every pay check [or more if you can].

I know that's not much advice, but it works well !
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post #4 of 29 Old 02-21-2013, 02:13 PM
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Get advice from everywhere that you can and DON'T GIVE UP!!!
You can do this.
Another idea is to save your receipts--put them in a shoebox--and see where the money is going. It's really easy to not realize how much we spend ESPECIALLY when it comes to our hobbies and things that we love...like our horses. **Corporal says this in a whisper**
I am starting a new job. As an independant contractor I will have to keep track of my expenses. I also will have to invoice my clients, or else they will not bother to pay me. 'O'
I started a notebook. I am writing down my expenses. So far, I have spent ~ $160.00, and should expect to recoop this in the next few weeks.
The whole idea is to have month left at the end of your money. =D

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post #5 of 29 Old 02-21-2013, 02:22 PM
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we really like mint. We don't use cash much, it tracks all purchases. Debit, mc or visa are combined and you see how much total we have spent.

Mint.com (for iPhone) Review & Rating | PCMag.com
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post #6 of 29 Old 02-21-2013, 03:30 PM
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Quote:
Originally Posted by Corporal View Post
The whole idea is to have month left at the end of your money. =D
Say whaat?...
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post #7 of 29 Old 02-21-2013, 04:29 PM
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Make an excel spreadsheet
Join mint.com

That's where I would start.

I have a very elaborate spreadsheet of my finances for my horse. Then from this I created a budget of the MAX to spend on him per month. It's working out great!

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post #8 of 29 Old 02-21-2013, 04:34 PM Thread Starter
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Does anyone know of any YouTube videos or online instructions for Excel? Because I fail almost as hard at Excel as I do at budgeting. Lol
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post #9 of 29 Old 02-21-2013, 06:54 PM
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there are no secret tricks, just called not buying dumb stuff, and looking at needs versus wants, You mentioned "apps" ? Id say get rid of what ever is needing apps. A basic phone with text capabilty, get rid of cable satelight or other pay tv and put up an antenna. Live within your means, and finance nothing, and um don't have boyfriends with no job.
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post #10 of 29 Old 02-21-2013, 06:59 PM
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Quote:
Originally Posted by DraftyAiresMum View Post
Does anyone know of any YouTube videos or online instructions for Excel? Because I fail almost as hard at Excel as I do at budgeting. Lol
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I googled Excel free tutorial and got a few hits. But I can't recommend any because I've not tried them (taught myself Excel at work). Point being, they are out there so you can try and see which one works for you. Good luck! I too stink at budgeting yet I'm a whiz at Excel. LOL

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