I make ok money but cant seem to ever get control over my money. I drive am old car dont wast money But at the end of the Mo I make 4k my bills should be around 3 k But cant pay them. I am always running last Min to pay. I have alway been behind in my Bills. I am getting sick over it!!!!!!!!! I dont Make Big Buck sBut work Hard every day . WHAT IS A GOOD RULE TO GET BACK ON TRACK? I read all the books BUT CANT GET BACK ON TRACK HELP !!!!!!!!!!!!!!!!!!!!!!
2007-01-15 15:37:36 · 6 answers · asked by joe 1 in Business & Finance ➔ Personal Finance
The best way to get on track is to start out with something very simple. Get yourself some yellow index cards, and do the following everyday for a week.
Today's date is 01/15/07 Total Amount Spent $26.68
Newspaper $1.00 + coffee $1.45 + candy bar $.75 + breakfast $4.28 + soda $1.25 + lunch $4.78 + coffee $1.00 + snack $1.50
Misc items - drug store $ 10.67
Make sure that everytime that you spend some money you take the time to get a receipt. If you do not have the time to write down each time that you spent money, save your receipts until the end of the day and fill out the index card data.
What you will discover that you are spend money without thinking about it. I had one of my girlfriends to do this and she was surprised that she was spending $30.00 a month for magazine and did not have one to her name. She would buy them to read on the bus and leave them at work or on the bus.
2007-01-15 16:22:26 · answer #1 · answered by D S 4 · 0⤊ 0⤋
My advice to you is to put together a budget on paper. With this budget you spend every dime of income, even if some of that goes to savings. When you write it down and stick to is, by reviewing it often to make sure you are still on track, you start to see where you are spending too much money.
I also agree with the first post... Dave Ramsey rocks. I listen to his radio show every day. He does get you fired up. Check him out at www.daveramsey.com.
Good luck.
2007-01-15 23:44:58 · answer #2 · answered by Jen G 5 · 0⤊ 0⤋
Have you read Dave Ramsey's Total Money Makeover? Check out his website (below) and see if he will be speaking in your area. See if his show is on a radio station near you. Believe me, he will FIRE YOU UP!!
2007-01-15 23:42:58 · answer #3 · answered by MsNobody 3 · 1⤊ 0⤋
Hook up with Mvelopes. An online budgeting service. East to use and cheap too.
Hang in there. You can do it.
www.mvelopes.com
2007-01-17 02:19:40 · answer #4 · answered by imamom4god 4 · 0⤊ 0⤋
what worked for me was taking control and a good budget.. also i listen to dave ramsey www.daveramsey.com hes great tals from experience and is easy to understand.
2007-01-15 23:52:56 · answer #5 · answered by benjie b 2 · 0⤊ 0⤋
Try banking online it is soooo much easier and through some banks you can even get e-mails of when your bills are due.
2007-01-15 23:48:28 · answer #6 · answered by ylopez3@sbcglobal.net 2 · 0⤊ 0⤋