How do you budget your money? plz help?

Question

im looking for the most successful way to budget my money...i am in college full time and also work a full time job...

Answer 1

All you need is a pen and a piece of paper. Write down all the expenses in a given month. For instance:

-Rent

-Renter's insurance

-Utilities (electric, water, garbage, gas)

-Car insurance

-Gas

-Groceries

-Savings

-Clothes

-Grooming supplies

-Misc

Just write down everything that you spend a month - whether it be gum or coffee, the little things add up.

Then make another list of all the money that comes in to you...paychecks from work, money from parents, etc.

On the expenses list, write what you'd like to spend for each category. Make sure that it equals/is less than what you earn every month, and that's pretty much it. Be sure to put aside a couple hundred for savings every month - or whatever you can afford, it is SO important.

It's not so hard, right?

Answer 2

First I always pay myself first out of my paycheck. That money goes straight to my savings acct. I then pay all my living expenses.

I shop using coupons. I find them in the Sunday's paper (Smartsource and RedPlum inserts) and I use www.smartsource.com to print off coupons. Next I save them and match them to sales ads. I

I shop a lot at Walgreens or rather they pay for me to shop there. Stores like Walgreens, Target, RiteAid will take their store ad and a manuf cpn (like the ones you find on the internet or the newspaper.) I usually get my health & beauty products at Walgreens for next to nothing using the above method.

I eat healthy and limit excessive eating out. I also find inexpensive entertainment. Redbox movie rentals has a free code on Mondays. (Go to their website.)

I also visit (practically live there ;)) www.mycoupons.com, click on shopping boards, click on TOT (Tips of the Trade) for good grocery shopping tips and Just Freebies. I send for samples all the time. Also try www.walmart.com and click on samples.

I shop clothing sales or use store coupons. Sign up to their mailing lists and they will send you printable store coupons. (ie. Express sends them a lot)

See if your city offers the Entertainment book. You can find buy 1 get 1 free meals and entertainment such a mini golf etc in here.

Answer 3

I WOULD USE YAHOO FINANCE TIPS AND TRACKERS.

I WOULD ALSO USE SITES LIKE MONEY.

http://money.cnn.com/

http://finance.yahoo.com/