How do you set up a budget and stick to it?
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Go to these two websites:
www.daveramsey.com
www.crown.org
You can download free, their budget forms, plus read some of their "how to" ideas. Both of these sites are available to anyone, though both are based upon Christian principles.
Getting over your head in debt is easy; getting out is tough. I wish you all the discipline and luck.
How do you set up a budget and stick to it?I get paid biweekly too, so you can't use that excuse. To be honest, budgeting is hard (most of us are not taught how to do it in school)... I'm still learning and I goof up from time to time... we all do. The trick is, don't give up! Keep doing it until you learn it. It's well worth it.
car payments are one BIG reason most of use are broke and struggling with money... another reason is we don't save. Oh, and credit cards are also a BIG reason people are b.r.o.k.e.
try using this... this should help.
http://www.gazelleintense.com/pdfs/month...
the trick is the spend less than you make... and get out of debt... having no payments is your goal.... with no payments (car, cable, credit card, etc) something odd happens; You have MONEY. Cash...
If you are spending more than you make, you need to make some decisions... to reduce bills, expenses... ditch the cell phone, cable.... eating out... shopping new and paying retail... working another job of course...
I wont lecture you, I still struggle with this stuff, but I am learning and making progress.
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