Didn't you ask this question last month? But if you require budgeting mentorship, I am ready and able to set you on course. You need only pay me 80% of their fee, OK? PM me.
No. Never used them. I imagine the simple formula would be to consolidate non deuctable debt and spend less than you earn.
I have to give it to you, you must ask the broadest series of questions out of anyone here. If you absorb even half of what you ask you'll be a wizard by the end of the year.
Seems the lady that started "My Budget" won an award ....i think they must get a lot of low income earners as customers. Look...i would rather reccomend them to someone than no one.
other then people who have been hit by family or health or business or gamlbing or addiction crisis, my budget is for people who are young and stupid (yes we all were once), or for people who think a credit card is free money or who cannot answer "if you have $100 and spend more then $100, are you spending more than you can afford?"
Nope, I did it myself in Excel, happy to strip out my personal info and mail to you if you think it may help, it breaks out all bills and due dates, lists mortgages and savings, cost of interest on credit cards etc etc. It gives a monthly snapshot with how much you can spend per week and day and also projects what you will save if you spend X per day (you can change X). Let me know if you want it, should only take me 20 mins to strip out personal info.
I would be interested in this - I have been working on my budget and am not entirely happy with what I have done. Would be very interesting to see a different approach. Cheers, Inertia.
Here you go: TinyUpload.com - best file hosting solution, with no limits, totaly free Fill in green, it's a little effort to set up initially but once set up there is no maintenance other than flagging if something is paid or not throughout the month. It rebases on the 15th of each month and everything hinges off the date in D6, if you want to add a bill that is paid on the 18th of every month then make the Due date =D6+3 I have added in an offset section which will show the leftover (ie usable funds) in an offset account which is not allocated, I did this because most people save for holidays and cars in the offset. There is a section in H31 and below that shows the amount available per day if you were to spend all unallocated funds, then directly below that is a section where you can put in a desired daily budget and it will calculate how much you will save by the end of the period. Dates and days left in the month are self updating. Lastly, the section in A36 is the Monthly summary, it shows a rough position vs bills per month. I designed this thing around what I wanted to use it for, so if anything confuses you let me know, also happy to help you set it up initially if you need help and don't mind me knowing personal fin info. I will be adding in some investment monitoring templates once I start buying IP's .
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