how can u learn to do a house budget easy?

Answer 1

This is what my husband and I do.
We have a calender and on it we write what is due that week. We figure how much we have with our paychecks and and how much the bills are, then when payday comes we put that amount for the bills in the bank and then keep what we have on hand and figure out the grocery list, after that is all said and done then what ever is left over we figure into gas and little thing here and there, so basically my husband get 25 a week and so do I, we have to make this last us till payday. Also a another good thing is to give your self an allowance of so much out of each paycheck set it aside in a saving account or something and then when you need a little extra you have it there. You just have to get yourself in to a routine and stick with it no if ans about it. It's hard to do at first but once you get into it then you'll see that you can have some extra to play with.

Answer 2

Its not that hard
First determine how much money you will
be earning for the month.
Then write down the amount you need for the
basics: rent
utilities
food
car expenses (car payments, insurance gas &
maintenance)
health insurance
(these last 2 may not apply, but you get the
idea)
credit card debt (hopefully not too much, and
always pay more than the
minumun due)
The ideal is that you make enough to cover all these debts,
the reality is that usually you don't, and that is where a budget
comes in. Usually rent is the most important item, then utilities,
then you look at what money you have left and try to figure
how much money you can assign to each category, being
realistic about how much you need for basic food in the house
(if you don't have much $ then limiting eating out and searching
for sales and maybe buying in bulk with a friend or two )
If you owe on credit cards, how much can you afford to pay
each month over the minumum due so that you aren't paying
forever (and limiting their use for things you can't pay in cash,
like car repairs, furniture etc.)
There was a time when I had to watch every penny and
worry if my car broke down....you had to use a lot of imagination
to find ways to get things done as cheaply as possible.
Sometimes it was a little scary especially when the car died or
the cheap apt I lived in got sold and I had to find somewhere
else in my price range that was liveable. One winter my
roomate and I lived on popcorn, instant cocoa and a lot of ramen.
But we survived and now that my husband and I are making a
decent living, we try to keep a sound mind about our finances
and not spend without thinking,

Answer 3

There are many online free programs to help you learn how to do a budget or to help you track it. But to be honest, I have a notebook at home marked Budget and every month I not only write down all the bills but anything I spend money on such as shopping, spending money, the kids allowance. And total it up. Then have a second column with all the income coming into the house. Subtract the spending from the income and if it's not enough money, then you have to adjust your spending and come up with ways to cut back on your spending. It's a fairly simple process. There are also available through your local area something called Consumer Credit Counseling who often offer free classes on many topics such as household budgeting and even ways to improve your credit. Catholic Charities is another organization that offers this type of assistance. But I would either give it a go on your own or go to a free website that will help you with it.

Answer 4

Here is a web site http://www.dod.mil/mapsite/budget.html that has a built in spreadsheet where you can list the amt of your income and expenses by category. You could also do your own spreadsheet and add additional categories of expenses (like gifts). Personally I use an Excel spreadsheet to do mine though I used to do it with paper and a calculator at the beginning.

Answer 5

write down what you pay for each month including the cost
house 510.00
electricity 50.00
water 40.00
gas 120.00
telephone 57.00
credit card 50.00
trash 20.00 and etc. I'm sure you get the idea...

Answer 6

Here's a site with advice, plus a downloadable template.

http://www.free-financial-advice.net/create-budget.html

Answer 7

use quicken, comes free with many personal computers, or can be bought for $30-$40