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  1. #1
    bigrev561
    Guest

    Default Help- Need Budgeting Advice

    I have recently come into a string of not-so-goodluck. Basically Im

    looking for some 1 on 1 teaching because I don't know where to begin

    with my budget and debt. Really, in a rut....Thank you



    R/S

    Lee








  2. #2
    leigh.drewett@ntlworld.com
    Guest

    Default Help- Need Budgeting Advice

    <!DOCTYPE HTML PUBLIC "-//W3C//DTD HTML 4.01//EN" "http://www.w3.org/TR/html4/strict.dtd"> I can try and help, where are you stuck?

    ------------------

    From: "bigrev561" <bigrev561@yahoo.com>
    Date: Wed, 18 Jun 2008 01:22:26 -0000
    To: <Budget101_@yahoogroups.com>
    Subject: Budget101.com : Help- Need Budgeting Advice


    I have recently come into a string of not-so-goodluck. Basically Im
    looking for some 1 on 1 teaching because I don't know where to begin
    with my budget and debt. Really, in a rut....Thank you

    R/S
    Lee




  3. #3
    Liss
    Guest

    Default Help- Need Budgeting Advice

    >>I have recently come into a string of not-so-goodluck. Basically Im

    looking for some 1 on 1 teaching because I don't know where to begin

    with my budget and debt. <<



    You've come to the right place. First, I recommend going here:



    http://www.budget101.com/art251.htm



    This is by far the easiest budgeting plan to start, especially if you've

    never had to maintain a budget before. It gives step by step directions.



    ~Liss










  4. #4
    J Diane Northcutt
    Guest

    Default Help- Need Budgeting Advice


    We went through the Dave Ramsey' Finacial Peace Program' and it taught us a lot. The big thing that Dave Ramsey teaches is to make a budget and then use the envelope system . The envelope system keeps you from overspending in any area. Overspending in any area screws up the whole budget.
    I looked at www.budget101.com/art251.htm and that is just what they teach.
    For some people carrying cash in an actual envelope is a problem . It was a problem for me and my husband for a number of reasons. So, we are using the envelope system just a little differently. We use the Budget Map checkbook registers. Budget map lays out your checkbook balance into ( envelope columns) . Each deposit is divided into different budget( envelope)catergory columns and each check/ debit purchase is deducted from the corresponding column. This is the exact same principle as the cash envelope system only you don't have to carry cash.
    When it is pouring down rain , I appreciate paying at the pump with my debit card. I also hate to stand in line at the gas station behind all the people buying and scratching off lottery tickets. This can take 15 minutes or more here in SC. I also don't have to worry about my safety because someone has seen me pull out cash in a public place.
    If you don't have a problem carrying cash , definitely use the cash envelope system. If you have a problem with that , then use the same principle with Budget Map. Just be sure that you do one or the other. www.budgetmap.com

    Diane

    [quote]
    ----- Original Message -----
    From: Liss
    To: Budget101_@yahoogroups.com
    Sent: Wednesday, June 18, 2008 9:13 AM
    Subject: RE: Budget101.com : Help- Need Budgeting Advice





    >>I have recently come into a string of not-so-goodluck. Basically Im
    looking for some 1 on 1 teaching because I don't know where to begin
    with my budget and debt. <<

    You've come to the right place. First, I recommend going here:

    http://www.budget101.com/art251.htm

    This is by far the easiest budgeting plan to start, especially if you've
    never had to maintain a budget before. It gives step by step directions.

    ~Liss





  5. #5
    lee revill
    Guest

    Default Help- Need Budgeting Advice

    thanks Liss, on my way ,,,,

    --- On Wed, 6/18/08, Liss <liss@budget101.com> wrote:

    From: Liss <liss@budget101.com>
    Subject: RE: Budget101.com : Help- Need Budgeting Advice
    To: Budget101_@yahoogroups.com
    Date: Wednesday, June 18, 2008, 6:13 AM


    <DIV id="yiv1782386306">



    >>I have recently come into a string of not-so-goodluck. Basically Im
    looking for some 1 on 1 teaching because I don't know where to begin
    with my budget and debt. <<

    You've come to the right place. First, I recommend going here:

    http://www.budget10 1.com/art251. htm

    This is by far the easiest budgeting plan to start, especially if you've
    never had to maintain a budget before. It gives step by step directions.

    ~Liss






  6. #6
    lee revill
    Guest

    Default Help- Need Budgeting Advice

    just where i need to start from..but Liss tells me to start at Budget101, so Im going to start there and get a budget and credit report done... Thank you soo much.

    --- On Wed, 6/18/08, leigh.drewett@ntlworld.com <leigh.drewett@ntlworld.com> wrote:

    From: leigh.drewett@ntlworld.com <leigh.drewett@ntlworld.com>
    Subject: Re: Budget101.com : Help- Need Budgeting Advice
    To: Budget101_@yahoogroups.com
    Date: Wednesday, June 18, 2008, 5:45 AM


    <DIV id="yiv1212161931">



    I can try and help, where are you stuck?

    ------------ ------




    From: "bigrev561" <bigrev561@yahoo. com>
    Date: Wed, 18 Jun 2008 01:22:26 -0000
    To: <Budget101_@yahoogro ups.com>
    Subject: Budget101.com : Help- Need Budgeting Advice







    I have recently come into a string of not-so-goodluck. Basically Im
    looking for some 1 on 1 teaching because I don't know where to begin
    with my budget and debt. Really, in a rut....Thank you

    R/S
    Lee






  7. #7
    khllrk
    Guest

    Default Help- Need Budgeting Advice

    do you have a computer and how good are you with excel?

    --- In Budget101_@yahoogroups.com, "bigrev561" <bigrev561@...> wrote:

    >

    > I have recently come into a string of not-so-goodluck. Basically Im

    > looking for some 1 on 1 teaching because I don't know where to begin

    > with my budget and debt. Really, in a rut....Thank you

    >

    > R/S

    > Lee

    >










  8. #8
    leigh.drewett@ntlworld.com
    Guest

    Default Help- Need Budgeting Advice

    She gave you some good advice. I do a combination of the two. I get things with

    set amounts out on payday and put into envelopes:

    * Weekly daycare fees labelled and dated so I just grab and put in his bag each

    week

    * our small budget for takeout/treats

    * cash for the week which is 5 each a week

    * money for window cleaner and bin cleaner

    Then because of not wanting to carry cash and not knowing who will need to buy I

    set a budget for groceries and fuel and leave that in the account but I have a

    small spreadsheet on my blackberry where every week when I balance books I take

    anything spent off the total and can instantly see how much is left.

    ------------------


 

 
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