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Budget?


Forum: Financial Planning and Budgeting

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  #1  
June 11th, 2010, 11:09 AM
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Join Date: Jul 2006
Location: New York
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Hello,

I would like a budget, how do I go about getting one?

Thank you
Hether
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  #2  
June 11th, 2010, 10:52 PM
Lynsann's Avatar Platinum Supermommy
Join Date: Oct 2005
Posts: 8,867
I don't know if there is anybody on the board right now that is doing budgets. Maybe somebody will read this and step up.
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  #3  
June 16th, 2010, 12:16 PM
lizard's Avatar Platinum Supermommy
Join Date: Nov 2005
Posts: 5,479
Start with the Need Help sticky above and I'll see if I can get to it (I'm rarely on when I'm not ).
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  #4  
June 17th, 2010, 04:06 PM
Lynsann's Avatar Platinum Supermommy
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I love that nursing emoticon!
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  #5  
June 17th, 2010, 11:10 PM
ashleighgurl's Avatar Loving Wife and Mommy
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lol about the icon
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  #6  
June 18th, 2010, 07:20 AM
sara~b's Avatar Platinum Supermommy
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Location: Pittsburgh PA
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If you fill out the budget sticky or copy and paste it into a Word document or spreadsheet you should basically be able to do your own budget. You really need to have a very good idea of where EVERY penny goes for an entire month and then you need to put all of your spending into the categories. Then take a good hard look at your spending and look for anywhere you can cut corners. Can you downgrade the cable or internet? Can you get cheaper car insurance? Are you buying too many goodies when you grocery shop? Etc.

After that put all of your debts in a spreadsheet and then put them in order from lowest balance to highest balance. While paying the minimums on all of them figure out how much you should have left each month to start paying extra on the lowest debt. Once the lowest debt is paid off you 'snowball' that money/payment onto the next debt on the list until it is paid off.

If you haven't done so yet I highly recommend reading Dave Ramsey's Financial Peace or at least visiting his website and going over the 'Baby Steps'. Even following his plan pretty loosely my DH and I have paid off a substantial amount of debt and started a fairly good 'emergency' savings fund.

Hope that helps!
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  #7  
June 28th, 2010, 04:29 PM
mommy2Breana+Brandon's Avatar Platinum Supermommy
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Location: PA
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I agree fill out the sticky above and someone will help you out
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