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Old 08-24-06, 09:02 AM
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That does make sense! The first month or two of budgeting is more difficult because of the change and the unknowns. But after a few months, it becomes second nature and we actually look forward to Budget Meeting night now!

Take this week for example: We traveled to New Jersey to visit DH's family there. We flew, but it was cheaper than driving, so we budgeted $50 for travel expenses (we knew we'd need to buy drinks and such for the girls since you can't take them anymore). We spent $48 on travel expenses because we felt free to do so since it was in the budget. We also are planning a special night out tomorrow night for our 5th anniversary. We budgeted $50 for dinner and a movie or putt putt or bowling or something. We don't feel bad spending it because we'll just grab the envelope and go.

Before our budget, we always felt bad about spending that much money on one night (and I still kinda do a little) but now that it's budgeted, I know I'm not taking food out of my girls' mouths or from the mortgage to have a good time.

Having a budget is actually liberating! Today I'm going to the opening of a new mall around here because a store is having a 40% off sale on bras and stuff. We knew it was coming up, so we budgeted $35 for me to shop. With the 40% off and a $15 gift card I have, I might get out of there with three new bras--and I won't feel bad because I'll take the envelope labeled "Bras."
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Old 08-27-06, 05:38 PM
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That is so interesting about the money envelopes because that is how my Dad always did things.
We thought he was crazy, but it worked for him and I think if my brother and I paid more attention we'd be better off with our spending.

My Dad had a Sears card and he would use it for Christmas shopping so that he could keep his credit up and he'd pay it right off.
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Old 08-29-06, 09:24 PM
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Deanna: it really sounds like you do great with your budget
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Old 08-29-06, 09:29 PM
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My budget is pretty detailed because it is from our trustee, but I know that there are alot of free budget sheet examples on things like Microsoft money or quicken downloads that can get you started.
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Old 08-29-06, 10:35 PM
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DH does our buget. We still have seperate accounts that we haven't merged yet. So he puts down our paydates in two columns, his and mine. We both have our checks autodrafted to our accounts. Then he just starts with the most important, car, utilitites ect and starts plugging them in when they are due. He uses an excell spreadsheet so it keeps a running total of what is left. We try to end up with about $200 a week for gas, food, and incidentals.
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