I am looking for someone to help me plan a budget….a personal budget, seems like I can’t get ahead!?

Personal budget issues : I always seem to be living from check to check and seem to have to pull rent out of one paycheck. I have never gotten this budget thing downpat….does anyone have an outline or spreadsheet I could use???
Thanks

The answer about: I am looking for someone to help me plan a budget….a personal budget, seems like I can’t get ahead!?

Answer by lady_jane_az
before any outline or spreadsheet will be helpful you need to find out where you money is going. detail every thing for one month and see where your spending your money. note everything from late charges, nsf fees, or anything you spend money on. you might be very shocked at what where you money is going. for there you should be able to trim the fat. good luck.

Answer by ontopofoldsmokie
Here’s a site. All a budget does is directs your funds each month. The first few months will probably require many adjustments. You just plan every dollar before you even touch it.

http://finance.yahoo.com/how-to-guide/banking-budgeting/12832

Answer by Brian B
My opinion is that budgeting will not solve your problem. If you are struggling you are probably already cutting things as close as you can, so I could never understand really what a budget accomplished. You need to either make more money or find a way to get rid of a major expense. Some people are able to go without a car altogether, but only about 20% can do that. Get rid of all of your 10 dollar a month stuff like magazines, internet access (if you have high speed or cable you don’t need it), don’t order pizzas or even go out to eat at all, that’s a huge waste of money. Sorry I couldn’t help more. But a budget does not solve your problem.

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