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"Jumping into" budgeting

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  • 3Princes 03-31-08 | 12:29 PM
  • I did a budget-- well, sort of, for the first time this month. I used Dave's plan of going week to week. The problem is I feel like i'm trying to jump into double dutch jumpropes. It was so confusing getting started on a new month when I still had some bills that were due right away (this time around I'll pay them week 4). Luckily, we had a little extra this month so I used the $ to pay the bills from week 4 of last month, and I'll pay them again.

    The budgeting part itself isn't so bad once you figure out when your bills are going to come due and how to divvy up the money. I still haven't figured out how much we have for dining out and stuff. That's on the agenda tonight.

    I did budget $100 for groceries and we only spent $85 shopping at the new wal-mart supercenter.
  • Dopey406 Dopey406's Avatar 03-31-08 | 02:20 PM
  • Jeanne, you're on your way!
     
    The hardest part about budgeting is getting started, for sure. So give yourself smoe space and time to adjust things. It will take about two months to get the budget "just right".

    If you need any help, just let me know.
     



     
    budgeting and
     
    to you for taking the "big leap"!!
     
  • 3Princes 03-31-08 | 03:24 PM
  • Well, it does help me see how much we have "left over" after a weeks worth of bills for "extra stuff" and it's not much.
     
    Luckily though DH works overtime many weeks (but it's not reliable enough to rely on) so what I have him bringing home is actually a little less than he'll really be bringing home.
    We got a great tax refund and my national board money will be coming soon so that's good.
  • Oreo Oreo's Avatar 03-31-08 | 08:58 PM
  • We are just starting the budgeting also. I am running into the same trouble with bills due immediately and then figuring them in again....

    It is so necessary, but not much fun.
    Good for you!! We had a Dave Ramsey counselor help us.... I kept wanting to shut down as I looked at the numbers and it was just emotionally overwhelming. It really helped us to have an un-emotional side to the numbers.
  • Valleygirl Valleygirl's Avatar 03-31-08 | 09:15 PM
  • The first few months is like the first few months with a newborn. You are nervous you are not doing in right, that you won't have enough (money in this case, milk for a newborn) You second guess each move... but just like with a newborn after a couple of months you totally get into the groove and routine.
    I usually do my budget for the month, mostly because I get paid once per month. Dh gets paid everyother week, and so I have the bulk of the bills paid at the first of the month and then some other smaller bills for the second or third week of the month.

    I am very proud and happy that you ladies are making this step. It will totally change your families lives for the better!