Where All Gifts Are Under $5
I get paid hourly, and I’m having difficulty budgeting because every paycheck is a little different, sometimes a lot different. I’m paying off credit cards so I want to use as much money for that as I can, but I still need to make ends meet. I’ve been keeping track of bill amounts and due dates for a year, but even then those always vary month-to-month. Any good ideas or resources?
Just to clarify, I have enough money to put toward my credit card debt, but I’m having trouble figuring out exactly how much to send so that I still have enough to pay my bills.
One Response for "Any tips for budgeting?"
Since you have a variable inflow to fixed outflow, you’ll need to address your current expenses…
Do you really need txt msg? Do you have a landline and cell plan? (consider removing one of these)…could you survive on a lower pay plan or pay as you go?
How do you get to and from work? public transportation, own car, carpool?
Do you make your own meals or buy take out or dine out? Do you buy name brand products or generic stuff?
Again, analyze your outflow and see where you can cut down your expenses to an absolute minimum given your variable inflow.
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