I really do. I stink at it. If I made the same amount month to month it might be easy, but every month it's something different. The way it works is I bill the company for all the work I did for, let's say, October. Then for November, they divide that total up by four, take the taxes out, so I get four equal checks dated on the Fridays for the month.
I don't know why it's so hard. I think because things overlap (like the last check from X month goes towards paying the mortgage for the next month, etc.) And if I could get current on the bills, then I think that it would be easier to budget. I'm just so bad with numbers. I do think next week I MIGHT be able to get everything current, which would be a HUGE load off my mind.
I'm so paranoid because work seems really slow this month. I hope December is busier, but usually it's not
I'm so stressed. Going to go take the dogs for a nice cold Sunday walk.
I need to learn how to budget...
November 17th, 2008 at 12:34 am
November 17th, 2008 at 11:23 am 1226920997
Sounds like we could use a budget class!
November 17th, 2008 at 02:08 pm 1226930894
I basically needed to set aside money from each paycheck for various budget items. The first few months, I didn't believe it would work. Every month I had a budget and a funding plan and it worked for me. And each month it got a little easier.
I think you are missing your funding plan for the budget. Which paychecks need to go to which items on your budget? I did use credit cards my first 2 months just to smooth out the timing of the funding.
Good luck and I think you just need to persevere .
November 17th, 2008 at 09:22 pm 1226956924
November 17th, 2008 at 09:23 pm 1226956995
'I Was Broke. Now I'm Not!' blog have some information in them you may find helpful.