How do you set up a budget and stick to it?
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In this crazy world (don't lecture me unless you're rich)
every penny truly does count, what with rent, car payment, car insurance, phone bill, excise tax, cable, and other amentities.......not including student loans or even credit card bills, even making considerable average or decent salary full time doesn't ensure you'll have much to save or to use as discrectionary.
I want to budget, only thing is I get paid only twice a month.
I want to get a part time job but what places will allow a 27 year old to work 15 hours per week? Don't say restaurant....
I work hard at my full time job......so no patronizing responses from you "I grew up fast when I was 16" crap.
Thank you.
How do you set up a budget and stick to it?The most difficult part is sticking to the budget. Anyone can create a good budget. How my wife and I create and stick to our budget is as follows.
Cretation
1. Figure out your total recurring expenses (home, bills, student loans anything that happens every month)
2. Divide the above by the number of paycheck you receive
3. The amount left over then needs to be divide up into 3 subcategories: Food, gas, and entertainment. These are never equal. Typically Gas is the biggest of the three with Food second and if anything is left it goes into entertainment.
4. Divide the amounts in Food, Gas and Entertainment in half. This is your weekly budget.
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