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how do you budget for this

how do you budget for this

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  • Susan Susan's Avatar 08-31-06 | 11:12 AM
  • buying in bulk does help prevent buying unnecessary things when you run to the store for just one thing like toilet paper and come home with 10 .
    my other problem with BJ's is that i buy things i didn't go for there too
    I have problems
  • Dopey406 Dopey406's Avatar 08-31-06 | 11:17 AM
  • Oh, you're not alone in that, Susan! I have a real addition to the Pillsbury Cookie Dough tub at Sam's for $7. It's my nemesis every time we go there. It's a real
    to get out of there without it. It practically jumps right into my cart!
  • Susan Susan's Avatar 08-31-06 | 11:18 AM


  • Elizabeth Elizabeth's Avatar 08-31-06 | 11:33 AM
  • I categorize everything and throw that into seperate budgets. I use a computer program that keeps track of everything. every transaction is categorized so I can see exactly what I spend money on. Based on that, i budget that amount for that category.. for example:

    Food: only edible items should be in this category.

    Household Supplies: this category goes for items such as dish soap, laundry detergent, paper towels, paper plates, zip lock bags, aluminum foil, etc - non-edible items that you just need around the house...

    Personal care: this category goes towards toiletries, hair cuts, toilet paper, toothpaste, makeup, etc..

    The best way to keep within your budget is to go to one store for one category at a time. So if you need bathrom stuff go to walmart and buy JUST those items, and nothing else. save anything extra for another trip, or have the cashier divide it into multiple orders, so you get seperate receipts and can keep track easier. Ive seen people do this and the cashiers are very friendly about it.

    Everything is categorized so I know exactly how much I'm spending on what, and if need be, can see what categories I can cut purchashes. I try to never cut down on the food budget, but i will cut back on kitchen supplies, and toiletries. Maybe i will buy the store brand of an item instead of the name brand. I do this anyway but some items i prefer not to. maybe i'll be doing extra dishes instead of using paper plates. not that big of deal. water cost for doing the dishes is cheaper than buying paper plates every week.

    and I NEVER have a miscellanous purchases category.. everything left over goes into savings, and any extra purchases that i have to make comes out of savings.

    anyway.. i hope this helps. and I highly recommend you get some sort of computer program that helps you keep track. makes my life a lot easier! and you can update it easier. i use microsoft money. it has tons of very helpful reports, and a budget maker.

    I hope this helps.
  • Susan Susan's Avatar 08-31-06 | 11:50 AM

    thanks..a big help