How do you set up a budget and stick to it?
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Trim the fat, decide what you do and don't need, reduce your plans (e.g. cell phone, cable/internet) if you don't use them much, do all your errands in one day to reduce gas, buy more generic items when shopping, turn off everything not in use when at home, and simply learn to save where you can. You can come out ahead if you try hard enough and without looking for a second job. I work hard too so I know how you feel.
You'll be fine once you get a budget in order and stick to it. You'll find you likely won't need that second job once you reduce and budget.
EDIT:
Dude, what the hell did I get a thumbs down for? I'm 26 and have my sh*t together more than this braindead whiny guy.
How do you set up a budget and stick to it?You set up a budget by writing down what you will do with EVERY PENNY you receive for the month. Even "blow" or "mad" money goes on the list. That list IS a budget.
Sticking to the budget is a matter of JUST DO IT. You don't spend a penny if it is not in the budget. The envelope system helps. Label an envelope for each budget item. Put the budgeted amount of CASH in the envelope. When the envelope is empty, you can't spend in that category for the rest of the month. If absolutely necessary, you can DELIBERATELY transfer money from another category.
If you are married, BOTH spouses must agree to the original budget AND any transfers BEFORE the fact.
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