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Do you use a budget?

  • Thread starter Thread starter peeonme
  • Start date Start date
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peeonme

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Each month I list all regular bills, utilities, insurances, phone, cable etc.
Then I keep on the same sheet a running total of cash on hand, deducting from it the bills as I pay them or as they are deducted from my checking account.

At the top of the sheet I keep a total of cash, checking and savings so I can make sure at the end of the month the total has gone in a positive direction.
Also I allot so much for food and gas.
I have done this for years, like 50 years, never missed a payment.

So, do you have a method that you use?
 
Re: Do you use a buget?

I used to budget when I had less in my pocket. But it wasn't by using double page accounting books, but rather see how much I got in the bank, think about the other bills, can I afford to get this thing now, or just wait a little longer for it....
 
Re: Do you use a buget?

No, I have a pretty good reckoning of my income and expenses using Virtual Wallet from PNC.
 
Re: Do you use a buget?

My system is when the wallet's empty, I'm out of cash.

Bills and food come before play.
 
Re: Do you use a buget?

I spend willy nilly...like a mad man. If i have it i spend it....
 
Re: Do you use a buget?

borg69unimatrix said:
My system is when the wallet's empty, I'm out of cash.

Bills and food come before play.
Click to expand...


Pretty much this. When I was in university and studying abroad or on work terms....I kept a meticulous budget. When we bought our farm and I was just starting out....I kept a mental budget or made broad estimates of what could be allocated to each category.

I have to say though that I haven't needed to do a daily budget for about 25 years now so I am too lazy to do it. At the end of every year, I get to see the books and get a sense of every expense, because each personal expense over $10.00 is recorded as well through the use of debit card entries.
 
Re: Do you use a buget?

I'm fortunate enough to earn substantially more than I spend, so I don't keep much of an eye on my budget.
 
Re: Do you use a buget?

I'm more like star-warrior on this.

Even in hard times I've never set up a budget.

Whatever I do, I make aggressively sure that I don't miss any payment deadlines.

[EDIT: Interesting, each successive paragraph in this post is bigger than the paragraph that precedes it. I didn't try to do that.]

Unlike most people, if I need an emergency inflow of money (that is actually mine, not borrowed) from somewhere, I have things I can sell quickly.

A big help is that I steadfastly pay off the most urgent things, as quickly as possible. There is no issue now, anymore. This is far different from the years that I was living off credit.

One difficulty with budgeting would be my traveling, where consecutive months can be more than starkly different from each other. October and November have absolutely no resemblance to each other at all.

I also avoid, as much as humanly possible, any arrangements where either monthly deposits or monthly bill-pays are automatic in my bank account. I prefer to interact with the actual paperwork, and I feel I'm more in control that way.

When I was in hard-enough times to borrow money from any friends, my top priority was getting them paid off AS SOON AS POSSIBLE, even if it hurt. This is kind of the topic for a different thread here, isn't it? I don't like owing money to anybody or anyplace, but owing money to friends is pure anathema to me.
 
Re: Do you use a buget?

The closest I come to an actual budget is spending less than I earn.
 
Re: Do you use a buget?

Never had any sort of budget, but I'm very careful about spending and know I don't spend close to what I earn. Even when it was closer, I was never organized about it, just had a general sense of what was in the checkbook. With the exception of a mortgage and student loans, none of which I have now, I never had debt of any kind. If I don't have the money to spare, I don't buy something.

For record-keeping, I put almost everything on credit cards and can see what I'm spending.
 
Re: Do you use a buget?

I use MS Money, even though it is no longer supported, otherwise I would run out of money and bills would go unpaid
 
Re: Do you use a buget?

Ever since I started work I have kept sufficient money in my account to pay all the monthly bills. That is never touched apart from paying bills and is topped up monthly to cover the year.

So I don't really need to budget and all the money left over is for spending or saving.

I also have a "treats" account for spending on out of the ordinary things such as new clothes, restaurants, etc.

Not once in my years of working have I spent more than I earn.
 
Re: Do you use a buget?

dpnice said:
Ever since I started work I have kept sufficient money in my account to pay all the monthly bills. That is never touched apart from paying bills and is topped up monthly to cover the year.
Click to expand...
I have a bills only account, and a saving account, each at different banks. As I keep my debit card for the billing account in my pocket, the limited amount in that account means I won't overspend. I send money into the bills account everyweek, this helps maintain a steady balance and if it dips by about 500 in any half year period, I top it up by putting in a lump sum in. this helps me think about what I can able to buy. As I have no mortgage, I'm fine, only food and bills. Repairs and sudden outgoings will come from the savings account. Impulse buys for small things, clothes, books, etc, via debit card.
 
Re: Do you use a buget?

I grew up in a home where money was pissed away after my dad's death. So when I started working and paying the bills at 16 I was determined to never be in a spot where the utilities would be turned off or the rent wasn't paid.

At 16 I would cash my check and I had a secret savings account, I put some in each week and made sure that all bills got paid before we bought any thing, now I am retired, my income is well above my out put, but if I don't list the bills and check them off ass I pay them, along with monitoring the total amount of money we have and making sure that it goes up each month, I don't think I could sleep at night.

Old habits are hard to break.
 
we save ferociously, so i don't feel so badly about spending money when it's necessary. I always have money left over at the end of the month, after all is said and done....
 
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