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Old 08-30-06, 10:39 AM
Sheri's Avatar
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Unhappy disappointed this week

I sat down to do our budget last night and was pretty upset with the results. Kim gets paid bi-weekly and his hours vary so we are never quite sure what he'll bring home so we guesstimate. Well we added up everything that needs to be paid, then added up the income, but all we are left with is less than $500 for two weeks! I still have to pay preschool tuition, buy school clothes and supplies for Katie, diapers, food, gas......
How am I going to do all THAT with $500?????? Oh boy do I ever need a budget make-over!!
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Old 08-30-06, 10:44 AM
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Sounds like it's time for a Total Money Makeover, Sheri!
 
Go to the library and look for Dave Ramsey's book. In the back of the book, among the other budget plans, there is a plan for "Irregular Income Planning" and it helps make a budget when you work on a commissioned or otherwise irregular income. Combine that with the Monthly Cash Flow Plan (CFP) and you'll have a really good view of your situation and how to handle it.

Some months are harder than others, as is the case for us, even though DH makes exactly the same each paycheck because he's salaried. We have unexpected expenses and stuff come up, so it's not easy; but once you get into the flow of it, you'll begin to realize that it's not as scary as it used to be.

 
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Old 08-30-06, 10:54 AM
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This book- Total Money Makeover- sounds like something we could really benefit from! Thanks!
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