How do you make your personal / household budget and manage your finances based on that budget? (Page 2)
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I put away $100 a week for savings. Sometimes I add more. I don't really budget much, not a big spender. As long as I have enough for essentials I'll treat myself to nice things often
I don't do that because I don't live by myself yet. But I'm not the kind of person who spends a lot of money. I use it on what's necessary only.
I come from a low income family, so I've always seen how to live on the frugal side.
Really think about your spending decisions and do you really need it.
I live like I'm unemployed.
Last car I owned, I had for 24 years.
I watch my expenditures. I bank online, and with only two forms of income, Social Security and a small annuity, I have to be careful what I spend it on. My splurge this year was a newer car.
I put my ot money in savings and my regular pay check into my checking, I pay off credit cards before interest is applied. I've cut down on unnecessary things like eating out
All my money is spent on increasing income I only need about 20 bucks a week for food which I don’t usually use because I forget to eat a lot my biggest expense is definitely alcohol I spend close to 4k a month on it
Mostly I try to look to last years spend and try to figure out what will likely go up and where I need to cut. The biggest chunks of my budget are: food; rent; travel; child care; general household spend.
It's all on paper, you can shred, burn or eat it unlike anything with a digital trail
I get paid weekly and pay bills based on when they're due. I already factor out how much grocery and laundry is a week.
I don't really look at my expenses, but at my wastes.
I have never budgeted but I am conservative and don't spend as much as I earn.
Lists of survival -1 food and water 2 bills to be paid on needs must and 3 luxury
So I take my debit card and slam it into the payment machine like I'm trynna get it pregnant. And that's how I buy things.
I take care of my bills and food. I then try to save up 3 months pay. Then when I am above that level I spend money on extravagances; and when I drop below that level I try to be more frugal.
Just opening a savings account and toggling auto transfers every month will save you thousands.
I take half my check put in, saving for my travel money.
I ain’t gonna say to be judged
No budget. We spend what we make. LOL
Make some basic balance sheets of everything
I’m not great at saving