Well, here is my first blog ever folks. I've decided to dedicate a blog to budgeting tips and general money information and stats. As some of you may know, I have lived on a budget for as long as I can remember. I thought that this was quite common, but the more I talk to people, I realize that I am feeling pretty alone in my obsessive budgeting. I work at a counseling centre where I personally see a lot of people who have financial problems. I have set budgets for so many people and I am amazed how people live. Why is it so hard to live below our means? Where did we get the idea that we could spend whatever we wanted.
So, I challenge you. If you are not on a budget, set one up. Write down everything you earn and then everything you spend. It really is that simple. It's easy to write down what you spend on utilities because those bills are pretty constant. You will probably guess what you spend on groceries and entertainment and in my experience, you will probably guess wrong. Keep your receipts for one month and then write an accurate budget sheet. See if you spend more than you make. If you do, no big deal. Just start cutting things from your budget until you make more than you spend.
Good luck.
If you need a budget template, just email me and I will send you one.
Let me know how it goes.
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No more crossing your fingers hoping you're still in the black at the end of every month...just read Carmen's blog and learn from from the best....you really are the Queen of budgeting Carmen!
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