Budgeting Help: help me please!!!!!!!!!!!!

Budget101 Discussion List Archives Budget101 Discussion List Budgeting Help: help me please!!!!!!!!!!!!

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      Jeanette I can feel you pain. First thing you need to do is to write
      down all your expenses:house payment, electric, gas, water, cable tv,
      cell phone, activities for the kids or yourself and husband,
      internet, car insurance, life insurance, house insurance, taxes,
      credit cards, car payments and so on. you also need to estimate
      other areas you spend money: food, clothes, gas, eating out, and any
      other areas you spend money on.

      you must be totally honest with
      yourself.

      next you need to look at your income. do you have more money going
      out then coming in or are you in the black so to speak? if you have
      a negative each month you have to see where you can either earn more
      or cut back.

      put in order a list of the most important things to pay
      first such as: house payment, electric, phone (not cell phone),
      water and so on.

      now look at the luxuries: cell phone, cable tv, eating out and
      decide what you can get rid of/turn off to bring yourself out of the
      red and back into the black.

      this is some homeowrk to get your started. good luck. kim in mi

      — in Budget101_@yahoogroups.com, “emeralddragon26”
      wrote:
      > hi my name is jeanette i ahve 3 kids and 1 husband.no pets.I have
      > tried again and again to cut down on expenses but it doesn’t seem
      to
      > be working.can some one please teach me some new tricks.
      >
      > help lost in new york

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Budget101 Discussion List Archives Budget101 Discussion List Budgeting Help: help me please!!!!!!!!!!!!