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  1. #16
    Trophy Wife- In Training
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    Default Re: Let's talk budgeting...

    I really don't budget either, I know it's terrible. I'm fairly cautious about spending. I try not to buy too many things at retail. I've gotten good at scoping out prices via the internet and building my ideas from there. If it's a good price I'll get it. That said, if it's something that doesn't go on sale (Uggs, my make-up, salon visits, ect) I just buck up and get it. Of course I don't have many bills either, I was blessed to be with an man who is anally retentive when it comes to bills. He does them. I take care of the "womanly" duties, house, animals, cooking, errands, ect... and he makes sure we still have all those things. I really am blessed.

    I do admit that I go on binges and just spend though. I'll buy just crap I don't need, I have an entire drawer full of Bath & Body Works Wallflower plugins ( he recently discovered said drawer and wanted to know "why the hell do we have so many of these and what are they?"), or all my lotions (that I NEVER use). If I can get that in check I'll be OK. I've started trying to save more so I can have a reserve always there for emergencies.

  2. #17
    working on my phd pingping's Avatar
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    Default Re: Let's talk budgeting...

    I budget like crazy. I like to know where my money is going. So I have an excel spreadsheet set up, and I have listed how much I need to put aside for rent, taxes, insurance, savings, etc. That leaves me with ~$400 extra each month to use for groceries and other necessities. I try not to spend it all, and leave at least $100 each month to add to my savings.
    Now on a BAN!

  3. #18
    *Moderator* vuittongirlxoxo's Avatar
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    Default Re: Let's talk budgeting...

    I pay my bills & whatever is left over, that's my money to spend. I also have a savings account. I don't have any credit cards - so that's one less bill. If I can't afford it, I don't buy it. Not really the best budgeting system, but it works for me.

    wishlist..
    .sofia coppola monogram
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    .monogram galliera pm

  4. #19
    Epi Enthusiast speedydelivery's Avatar
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    Default Re: Let's talk budgeting...

    My dh does all the finances now, but when I was single one thing my mom taught me was to pay credit card bills in full, so that was what I did. My advice to anyone would be to pay your bills in full and not have interest or debt hang over your head. If getting something is going to put you in the 'not being able to pay in full' category, skip it. It's also important to start saving for retirement as early as your 20's. It's not something people think about when they are so young, but it's really key. You don't want to have to work forever and who knows what the health system will be like when you're older. One more thing I can think of is to try in general to live below your means, and if you can get yourself used to less being more you'll be better off in the long run, in order to have financial security. One book I really enjoyed reading was The Millionaire Next Door, a book from the 90's.

  5. #20
    LvoeMyOhana cruznit1436's Avatar
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    Default Re: Let's talk budgeting...

    We have to budget in our house...the hardest part of budgeting is keeping it...we set $ aside for the mortgage, utilities, & bills...then we have envelopes for gas, going out to eat(DH) and our "fun $"... and if you use too much $ on going out, it comes out of the fun $...and we never touch our savings...we kinda act like it's not there....we'll be out of debt by Dec...I can't wait...This is our second time that we're gonna be completely out of debt, but with the new baby & going back to school, it set us back....
    SuperMom


  6. #21
    Bag Fan Newbie
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    Default Re: Let's talk budgeting...

    I always have good intentions to budget, but for some reason, it never quite works out for me. I am unsure how to be organized.

  7. #22
    ♥♥ Bagaholic ♥♥ Passion4Purses's Avatar
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    Default Re: Let's talk budgeting...

    I need to take some tips from Sammy. My husband is always telling me to pay myself first, so much that I now have a Suze Ormon book to read...

  8. #23
    ♥♥ Bagaholic ♥♥ Passion4Purses's Avatar
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    Default Re: Let's talk budgeting...

    Great advice, I will have to get that book.

  9. #24
    Picky Purse Collector
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    Default Re: Let's talk budgeting...

    I do all of the finances, it's just another thing that automatically went to me for some reason. Since we have had to start putting money back to replace the central heat and air we automatically put $1000 back a month for that. Then after that everything else gets paid, mortgage, car, utilities, etc and then groceries and then all the expenses that come with having kids, daycare for my youngest, clothes, shoes and nonsense. I have read Dave Ramsey and we were going to start that and then two weeks after I read it and we had our emergency fund we were told we would have to replace the furnace by the time it gets cold. So now we are taking care of that and then will start the debt snowball. I do like to budget and after budgeting to see how much we could safely and comfortably put back and not miss I saw how much we made and where things were going and it really made me angry. So it's nice to budget and see how much things really cost.

  10. #25
    Bag Fan Newbie
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    Default Re: Let's talk budgeting...

    I've been a Dave Ramsey listener for a couple of years now. I don't do "envelopes" but I do budget. I've got my emergency fund, most of my CC paid off. I hope to be debt free by the end of this year!

  11. #26
    Bag Fan Newbie PhoenixFire's Avatar
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    Default Re: Let's talk budgeting...

    My husband and I have a monthly budget that has all of our expenses laid out. Based on that we give each other weekly allowances to spend on whatever. Then there's some left over to save up or spend on ourselves.

    Having a budget is CRUCIAL!!!

  12. #27
    \(^.^)/ Jennifer's Avatar
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    Default Re: Let's talk budgeting...

    I completely agree. Budgeting is very important!

    What works for me - whenever I get a check I automatically put 60% into my savings account (sometimes more, sometimes less). I have 1 credit card with a $500 limit that I use for groceries then I pay off every month once the bill circles back around. That's pretty much the only thing I pay for out of my account. The rest is going out to dinner, shopping and little luxury money for me and the BF to spend. Whenever the BF gets a check he puts the same % into savings then takes care of all the bills. It works for us.

    Quote Originally Posted by jwahlton View Post
    I've been a Dave Ramsey listener for a couple of years now. I don't do "envelopes" but I do budget. I've got my emergency fund, most of my CC paid off. I hope to be debt free by the end of this year!
    What do you mean envelopes? And good luck on your credit-card free New Year resolution!!

  13. #28
    Bag Fan Newbie
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    Default Let's talk budgeting...

    I haven't listened to Dave Ramsey. What are the envelopes?

  14. #29
    *The TBF Elite* FedUp's Avatar
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    Default Re: Let's talk budgeting...

    Don't spend what you don't already have in the bank and don't count on that little plastic card!

    DH and I max out our contributions to our retirement funds. Put money every month into college funds for the kids, pay off all the bills in full, assign 'slush fund' money for each of us to spend as we choose. sometimes I save up the money to get what i really want. All the remaining money goes into savings. And we do limit eating out.
    "You never know how strong you are, until being strong is the only choice you have."

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