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Need a new budget plan

June 23rd, 2011 at 09:24 am

I really need a new budget plan! Not really sure where to start or what to do. I was attempting to do the cash/envelope system but am failing!! I need something new to try. I need to pay off another 800 on my new bed (interest free till december), another 350 till I make my christmas goal. I need a new car and am still going to save as much as I can towards it but life has been getting in the way lately. Between birthdays, other gifting holidays, grads, things I needed for the house etc. I am kind of looking for a cheaper ($6000-$7000) car to finance so its a bit nicer then an 2000/2001/2002 thats in my price range for cash but haven't had that much luck either. Right now I still owe out about $1025 if I'm going to make all my "normal" savings goals. (Save:100, Misc:100, Account Over:150, Bed:200, Car:150) then rent, groceries, gas, dds account money and this weekend. But I only have about $813 coming in, but I charged $92 on my credit card yesterday that I have to pay off.

Wow, I feel overwhelmed!!! I wish I had have kept tracking my spending the only things I really know what I've spent on is gas everything else has been a free for all.

So if anyone has any other budget plan ideas for me please please please let me know!! I need to get back on track! I also updated all my info in the side bar, not much progessing being made as you can see. Oh and not to mention that in August I am taking an unpaided week off and will be about 500/600 short from my normal budget not including the bed savings or car ugh, life.

3 Responses to “Need a new budget plan”

  1. CB in the City Says:

    I've never used it, but my son is find Mint.com helpful.

  2. ceejay74 Says:

    If you're able to check a spreadsheet once a day, you could try my method. I started an Excel spreadsheet in Google docs; I can update it from anywhere.

    At the top I have my checking account balance, then a list of planned expenses (including money I'm setting aside for future things) and expected income, and what the balance will be after each transaction. I budget out for a month or two, and at the bottom I get the final amount to equal $20.00 (I used to do $0, but it freaked me out to think that the checking account could ever get to zero.)

    Nearly every day, I update the checking account balance at the top, remove the incomes and expenses that have already happened, and make sure the whole column still ends up at $20.00.

    If you don't want to mess around with spreadsheet equations, you can do the same thing in a Word doc or a draft email that you never send, just keep saving info to. You'll just have to do the math by hand instead.

  3. Suzanne Says:

    I use BudgetSimple.com. There's a free version that works quite well for me.

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