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MissDarkEyes View Drop Down
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Post Options Post Options   Thanks (1) Thanks(1)   Quote MissDarkEyes Quote  Post ReplyReply Direct Link To This Post Posted: Jul 09 2014 at 12:13pm
Since we're halfway through the year, this may be too late, but the 52 week money challenge might be something worth trying
 
 
I think there's an app for this too.
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kerysdream7 View Drop Down
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Post Options Post Options   Thanks (0) Thanks(0)   Quote kerysdream7 Quote  Post ReplyReply Direct Link To This Post Posted: Jul 09 2014 at 12:15pm
Originally posted by jonesable jonesable wrote:

Kerys was thinking about setting up a bugdet thread .


We can create a budget challenge one that isnt too restrictive

Yes, u should
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Post Options Post Options   Thanks (0) Thanks(0)   Quote BBpants Quote  Post ReplyReply Direct Link To This Post Posted: Jul 09 2014 at 12:16pm
Originally posted by MissDarkEyes MissDarkEyes wrote:

Since we're halfway through the year, this may be too late, but the 52 week money challenge might be something worth trying
 
 
I think there's an app for this too.


I like this challenge. I'll start it monday!
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Post Options Post Options   Thanks (0) Thanks(0)   Quote india100 Quote  Post ReplyReply Direct Link To This Post Posted: Jul 09 2014 at 12:20pm
We are blessed with a 5 bedroom 3 story home . My electric bill and cable are really low . Basically  $200 a month . Purchase a cheap safe to save money once you break a bill . I purchase my little girl a reload Visa to teach her how to save . I will return with more tips . Born in the 60's. I  know how to stretch a dollar lol .
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Post Options Post Options   Thanks (0) Thanks(0)   Quote MsBMW Quote  Post ReplyReply Direct Link To This Post Posted: Jul 09 2014 at 12:30pm
Originally posted by SamoneLenior SamoneLenior wrote:


you have to be disciplined

I find the "but I deserve it" attitude really hurts people

it's my birthday, so I deserve this

I worked really hard so I deserve this

I mean on a certain level you might but if you can't afford it you are only hurting yourself by purchasing it

you know what you make each week/two weeks/month

make a budget from that

you know your bills (I like to split my payments for each bill for each paycheck I get, that way I can spread it out and not be overwhelmed when bills are due)

pay your bills first, then pay yourself (this means save some money. I like to have it go directly into my savings accounts so I don't have to make the decision to move it every time I get paid)

now budget your daily/weekly needs and wants with what is left

I like to take what is left and divide it by the number of days till I get paid, that gives me a daily budget max

with my credit cards I only charge what I can pay off in 30 days or less

I don't pay interest on what I purchase with my credit card

I have to wait sometimes to get things I want but I am okay with that

I also can't buy certain items but I m okay with that too

I also get daily emails and texts from my bank that state my balance

WHere do you bank? I need to get daily text stating my balance I'm very bad at checking it..but I started when my credit card got hacked
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Post Options Post Options   Thanks (2) Thanks(2)   Quote jonesable Quote  Post ReplyReply Direct Link To This Post Posted: Jul 09 2014 at 12:33pm
MSBMW its available at most banks.
just go to your online banking and set yourself up for account alerts.
You can set it where you recieve a text and email when your balance dips below a certain dollar figure
 
Or just a text that comes to your phone daily


Edited by jonesable - Jul 09 2014 at 12:33pm
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MsBMW View Drop Down
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Post Options Post Options   Thanks (0) Thanks(0)   Quote MsBMW Quote  Post ReplyReply Direct Link To This Post Posted: Jul 09 2014 at 12:38pm
Originally posted by SamoneLenior SamoneLenior wrote:


that is good

what is your sq. ft. if I might ask (you don't have to say)

that is the one thing I always think about when I see big homes

their utility bills must be super high

So true my gas alone for two months was 1,000..my house is 5,500 sq and it's only three of usCry
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Post Options Post Options   Thanks (1) Thanks(1)   Quote MissDarkEyes Quote  Post ReplyReply Direct Link To This Post Posted: Jul 09 2014 at 12:39pm
A little off topic, but I would LOVE to find a part time gig for some extra $$$ and the OP has THREE!  LOL
 
Seems in Chicago, if you already have a full time job, these employers don't even wanna talk to you!
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NuAttitude View Drop Down
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Post Options Post Options   Thanks (0) Thanks(0)   Quote NuAttitude Quote  Post ReplyReply Direct Link To This Post Posted: Jul 09 2014 at 12:57pm
Originally posted by jonesable jonesable wrote:

Kerys was thinking about setting up a bugdet thread .

We can create a budget challenge one that isnt too restrictive
Good idea!
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NuAttitude View Drop Down
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Post Options Post Options   Thanks (0) Thanks(0)   Quote NuAttitude Quote  Post ReplyReply Direct Link To This Post Posted: Jul 09 2014 at 12:59pm
I just want to say thank you to all of you who have offered and shared advice on this.  I was at my breaking point and I do understand how people go off the deep end. Hug
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