are there services to budget for me?

Answer 1

A book keeper might do it for you. Try MS money and do it yourself.

Answer 2

There's nothing hard about budgeting. For 1 month, keep a journal of every penny you spend and what it's for.

Then after the month, get a piece of paper or spreadsheet, and add up and classify all the expenses. Then remember to add in expenses that happen once a year, or every 6 months, like insurance payments, and add that to your monthly budget. Also record anything you saved in a savings account or 401k.

That's your starting point. From here, you can see what you spend on what, and you can start making adjustments for the future.

Anyone who is going to prepare a budget for you, will need you to track your spending anyway, and that's the hardest part.

If your goal is to save money, may I recommend an alternative approach. Ask your payroll dept to deduct money from your check and send it straight to your savings account. Or have your savings account automatically transfer money from your checking account every payday. Do it automatically. Start with a reasonable figure like 10%. Too high? OK make it 5%. Then live on the rest as you do now.

This is called Paying Yourself First. I urge you to learn more about this approach, and how to get rich slowly, by reading The Automatic Millionaire by David Bach.

Answer 3

try and look for one