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HomeCredit ForumBudgeting your expenditures

What budgeting software do you use?

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1002543



Joined: 31 Aug 2008
1002543's page
Posts: 84



92 Magic Points
Subject: What budgeting software do you use?
 
 Posted on Thu Sep 04, 2008 1:31 am  
Any recommendations?
 
goodnatured



Joined: 03 Nov 2007
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Posts: 3133



5262 Magic Points
 
 Posted on Thu Sep 04, 2008 1:35 am  
pen and paper is what I use
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Goodnatured,

Trying to become and stay debt free, thank you for all your help and support!
 
1002543



Joined: 31 Aug 2008
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Posts: 84



92 Magic Points
 
 Posted on Thu Sep 04, 2008 1:36 am  
Well, how successful are you with your budgeting?
 
fireyone



Joined: 26 Feb 2008
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Posts: 2856



1907 Magic Points
 
 Posted on Thu Sep 04, 2008 1:38 am  
Same here. It is really successful to me becasue since I write it all down I can understand it better. Not only that I don't have to start the computer everytime I need to look at how broke I am.LOL. probaly why I use the pen and paper to begin with...its cheaper.LOL
 
goodnatured



Joined: 03 Nov 2007
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Posts: 3133



5262 Magic Points
 
 Posted on Sat Sep 06, 2008 10:38 pm  
I usually write it down and then re write it down, then figure it all up again, re arrange it and do it again.
_________________
Goodnatured,

Trying to become and stay debt free, thank you for all your help and support!
 
fireyone



Joined: 26 Feb 2008
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Posts: 2856



1907 Magic Points
 
 Posted on Sun Sep 07, 2008 12:43 am  
LOL...Sounds like me. I guess I am wishing somewhere along the line a few extra zeros will appear under income and a few less under bills. I am really finding this funny...thought I was the only one who did this.
 
goodnatured



Joined: 03 Nov 2007
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Posts: 3133



5262 Magic Points
 
 Posted on Sun Sep 07, 2008 1:44 am  
I find the re writing comes in when I have overspent on something that I should not have been spending on.
_________________
Goodnatured,

Trying to become and stay debt free, thank you for all your help and support!
 
fireyone



Joined: 26 Feb 2008
fireyone's page
Posts: 2856



1907 Magic Points
 
 Posted on Sun Sep 07, 2008 1:46 am  
This is sounding too familiar. Are you my the man in my mind?
 
jtrenton



Joined: 12 Sep 2008
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Posts: 16



254 Magic Points
 
 Posted on Fri Sep 12, 2008 7:26 pm  
I don't do any budgeting, that's why I don't use such software.
_________________
I'm on a roll...
 
goodnatured



Joined: 03 Nov 2007
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Posts: 3133



5262 Magic Points
 
 Posted on Sat Sep 13, 2008 12:10 am  
It is just a suggestion, you don't necessarily have to use it.
_________________
Goodnatured,

Trying to become and stay debt free, thank you for all your help and support!
 
peacockrancher



Joined: 07 Sep 2008
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Posts: 32



25 Magic Points
 
 Posted on Sat Sep 13, 2008 3:25 am  
I use a calendar and write down all my income on the paydays and list the expenses and the monthly bills somewhere along the side. I check them off as they are paid and use my check register to track them all. I find this easier.

I find software programs like excel very confusing, I find that I do not use it enough to keep up with it. One time I do fine the next time I am totally lost on it.

I guess it is easier for me to just write it all down and deal with it that way. I did find a little book with pockets that you can put all your reciepts in and track your bills there, I used for a month or two and went back to my same old ways.
 
erb1953



Joined: 31 Dec 2007
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Posts: 631



8 Magic Points
 
 Posted on Sat Sep 13, 2008 3:55 am  
I have to agree, I am not real good at staying up with the computer programs either, I just pay them as they come in, it makes it easier. Then I write the check number and amount on the bill stub and through it in my trusty shoe box.
 
fireyone



Joined: 26 Feb 2008
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Posts: 2856



1907 Magic Points
 
 Posted on Sat Sep 13, 2008 1:49 pm  
I usually can not afford to pay them as they come in. I know we have two paychecks a month so I devided them (money wise) equally by payment due date between both checks. I can almost tell my hubby when each payment is due by the time of month it is. the only thing that throws me off is the two months you get three pays. It messes up the dates of the other two sometimes.
 
erb1953



Joined: 31 Dec 2007
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Posts: 631



8 Magic Points
 
 Posted on Sun Sep 14, 2008 12:10 am  
Well on those months don't you have an extra paycheck? Reality is it only falls every two weeks regardless. October is one of those months right.
 
peacockrancher



Joined: 07 Sep 2008
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Posts: 32



25 Magic Points
 
 Posted on Sun Sep 14, 2008 2:12 am  
I like the months when there is an extra paycheck, but you are right erb1953, they still remain to be every two weeks.

Fireyone,
If it helps you could you do your bills or look at it as if it is every two weeks instead of twice a month, I know it is all the same but you say that it throws your weeks off. I really don't understand if it is still every two weeks, you may actually get to pay one or two ahead if you want to look at it that way.

I see you guys post on a lot of different posts on here, how do you have so much to talk about? Just kidding, I am sure that I will get the hang of it sooner or later here, I just don't have a bunch of time on my hands these days. I do enjoy coming here though and at least keep up with my initial post anyway. Thank you all for answering my questions, I am just trying to figure out where to go with this, if anywhere.
 
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