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Household Budgeting

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crackerjack



Joined: 03 Dec 2007
crackerjack's page
Posts: 144



17 Magic Points

 
Posted on Sun Dec 23, 2007 2:36 am  

Even better yet Laura, you did not have to pay for it, I find them so nice to keep everything organized. They would be a great gift to give too.
goodnatured



Joined: 03 Nov 2007
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Posts: 3931



389 Magic Points

 
Posted on Sat Dec 29, 2007 1:24 pm  

I found one of my old leather attache cases and am keeping a yearly calender with all my bills in there, that way all my headaches are in the same place, I put a calculator in there two, but this year decided to do two fold tablet, in the front monthly, then I flip it and do the balances fromt the other end of the tablet. Hopefully when they meet in the middle the balances will be zero. LOL.
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fireyone



Joined: 26 Feb 2008
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Posts: 4246



96 Magic Points

 
Posted on Tue Jul 29, 2008 3:39 pm  

Good idea GN. I would probaly have nightmares though of an attache case strangling me. I wouldn't keep it in the bedroom.
warghade



Joined: 14 Jul 2009
warghade's page
Posts: 34



629 Magic Points

 
Posted on Sun Sep 27, 2009 1:07 pm  

You dont know I have such like problem about household budgeting. But not now because I chakeout my monthly expendce than I sort it need of and need not expendce. Just like that I cntrol my household budget.
Other way you should have to control your unnescessary expenditure.
In my earning there is only 49% approximetly 50% expendces monthly because of that type of index
goodnatured



Joined: 03 Nov 2007
goodnatured's page
Posts: 3931



389 Magic Points

 
Posted on Sun Sep 27, 2009 1:15 pm  

I hear you, money can slip away so quickly and before you know it you are praying for your next paycheck. I started putting back $20 a month in a seperate account, after a while you don't even notice it and then when you have an emergency it is there. I just had to use my stash for groceries. Thank god it was there.
SIA



Joined: 18 Oct 2009
SIA's page
Posts: 62



2524 Magic Points

 
Posted on Thu Oct 22, 2009 5:38 pm  

house hold budgeting is very important you should have proper plan of it.
Justin

Justin

Joined: 17 Jul 2006
Justin's page
Posts: 1238



28944 Magic Points

 
Posted on Mon Oct 26, 2009 12:50 pm  

I agree with Sia. Household budgeting is extremely important. If you have a proper plan for it, then at the end of the day you may not have to deal with so many delinquent accounts.
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Justin
goodnatured



Joined: 03 Nov 2007
goodnatured's page
Posts: 3931



389 Magic Points

 
Posted on Mon Oct 26, 2009 7:32 pm  

One more important thing to remember is that if you hit a bump in the road, you can get back on track. You need to step back and analyze your situation, figure out what you need to do and get it together.

You can get it back on track, don't give up on something that is working. do what works for you.
fireyone



Joined: 26 Feb 2008
fireyone's page
Posts: 4246



96 Magic Points

 
Posted on Mon Oct 26, 2009 10:38 pm  

I think household budgeting needs to be done at the beginning of the credit process. When or even before applying for a line or additional line of credit take into account there will be a monthly payment. Never figure the monthly payment on the lower end. Try to figure it out for more. Say the payment is $10 well figure $50. This gets an otem or card paid off faster and leaves room in case you have to use the card for an emergency making the payment go up.
marcusandila



Joined: 27 Oct 2009
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Posts: 133



3005 Magic Points

 
Posted on Wed Oct 28, 2009 12:07 am  

We use Quickbooks for our household budgeting/checkbook register/all financials.

We were using MS Money, but for some reason the bf didn't like it so much. I think he was having a lot of issues with some companies not downloading the information. We also used an excel spreadsheet in the past. Quickbooks has been wonderful for us.

On another note, we utilize our bank's online bill-payment system. We pay all of our bills [utilities, creditors, etc] with a click of a button in Quickbooks. No envelopes to mail [or lose], no stamps, no writing. Just a push of a button. Smile

-Another note: Aldi's is a really great store. Most of their produce is cheaper but yet still healthy. They have alot of healthier alternatives for people on a budget. Only bad thing is trying to remember your own bags!

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