So, I am advised to make a budget?

Question

Is there a website that is safe and can help me do it the right way?

Answer 1

do it yourself....
take the amount of income....
save ur receipts and figure out how much you can spend in various categories (gas money, groceries, etc.) and then...stick to it

Answer 2

You don't need a website.

Just start at the top with how much you make per month at your job in total, after taxes and all that other stuff.

Now go down the list, subtracting all the neccessities.

- Rent
- Hydro
- Telephone
- Groceries

This is basically your non-discretionary... stuff you need to pay.

Below you can list things you want to buy

- Clothing
- Entertainment (everything from movies to your cable bill)
- Eating out at restaurants

And of course SAVINGS. You should set aside a certain amount every month.

This is your budget. Take a look at it, and see if something looks out of whack.

Think you are spending too much on groceries? Go through what you normally buy and decide what you can do without, put some extra money into savings.

Most people don't budget but it will really help you see where your money is actually going.

If you need more information, Google "personal budget"

Answer 3

The best way to make a budget is to sit down with a blank sheet of paper and a pen. Write your income at the top of the page. List what you will do with EVERY PENNY below that. If you total income does not make the total you 'spend', your budget is wrong.

Answer 4

look create an excel document and create a section in which you list your income and below create a section for your expenses then subtract your total expenses from your total income. Remember the most important thing to a budget is knowing what goes where. Another tool that is very useful is one provided by Bank of America through online banking where they do this for your internet accounts... its really good but I would recommend doing the excel thing too
let me know if you have questions Lenin Patino be sure to check out the site below

Answer 5

visit daveramsey.com to learn ur hard lessons from others mistakes.
budget is cash in = cash out . zerocash stop spending.