So here it is payday again and I’m stressing on where and how and who I should pay first. It is so stressing. So I write down how much I owe on my bills for this month and how much for groceries. And then 5 min later I’m spending my money on things that I don’t really need. Yesterday I had to pay my phone I had 20.00 dollars on my bank account, so paid it, but my bill was for 80.00 dollars. I got charged and overdraft fee of 34.00 doalrs plus the 60.00 dollars that I was missing so I had 97.00 dollars taken from my direct deposit. So now I have to rearrange my bill payments and adjust my budget. The thing is I don’t know how to stick to my BUDGET. PLEASE HELP!!!
Life for Me
July 11th, 2008 at 03:11 pm
July 11th, 2008 at 03:13 pm 1215789223
July 11th, 2008 at 03:35 pm 1215790558
July 11th, 2008 at 03:36 pm 1215790592
Yeah the first thing would be to create a budget. Pay your bills first then you can do what you want with the rest.
July 11th, 2008 at 03:42 pm 1215790975
July 11th, 2008 at 04:18 pm 1215793102
Once the money runs out, it runs out. The next thing to do is look at where you can trim (sell the car, get rid of the cell phone, cable, cut your eating out/bar nights, etc.).
But you first need to see where everything is going.
Good luck.
July 11th, 2008 at 04:51 pm 1215795119
July 11th, 2008 at 05:37 pm 1215797879
July 11th, 2008 at 06:26 pm 1215800797
July 11th, 2008 at 06:54 pm 1215802480
I would also recommend that you go to the library and check out one or two general books on personal finance. Choose the one that appeals to you the most. Some authors to consider are Suze Orman, Dave Ramsey, David Bach, Jane Bryant Quinn, or the Wall Street Journal Personal Finance book. There are other good ones but I can't think of them off of the top of my head.
July 11th, 2008 at 09:23 pm 1215811418
I would suggest carrying around a small notebook and writing down every expense that you incur whether it's a newspaper on the way to work or a cup of coffee. Even if you contribute to a kitty fund at work for coffee or gifts.
Find some books as was stated by another poster. Your public library has them and they are free.
Keep reading here and know that you aren't alone.
July 11th, 2008 at 10:06 pm 1215814005
You will find lots of good support here, and you'll probably find that having a place to keep all your progress will motivate you more. Welcome!
July 16th, 2008 at 02:24 pm 1216218279