How do you set up a budget and stick to it?
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first i would see, where in your life you can cut back.
like groceries instead of buying name brand, buy store brand products and use coupons when necessary. grocery shop for like two weeks at a time, instead of week or day by day. make a menu and buy the items you would need for that time
try spend less weekend out (if you do that), limit it to once a month. dry cleaning, maybe wash clothes on delicate and hang dry.
rent somewhere that is affordable and reasonable or get a roommate.
pack a lunch instead of buying it.
gas (in CALIFORNIA) is ridiculous, so i would limit my driving around or giving people rides (with a deposit on gas).
or carpool to save money.
ummm, add up all your expenses for the month. and say you get like 2700 a month after taxes --- and your expenses are about 2000 a month. that leaves 700 dollars. okay this is where self control comes in. out of that 700, say you are going to only spend 300 out of that 700 and put, 400 in a savings account. you cannot touch it under any circumstance unless it is an extreme emergency. then say at the end of the month you have any money left over from that 300 dollar allowance, you have to deposit that into your savings account. and start all over for the next month.
i tell you it is hard in the beginning and you feel like a tight wad, but after a while you will like it.
trust me it works.
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