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Frugal Living Whether you are searching for frugal dinners or just want to learn how to save some money, this is the forum you want!

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Old 04-10-2011, 11:27 AM
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budgeting tips

What works for you? Share our thoughts here.
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Old 04-10-2011, 12:14 PM
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I have a Google calendar where I keep various calendars, including my finances. The reason I like the Google calendar is because I can have it send me reminders in the form of emails and/or text messages. I can also make them recurring each month. Also, I can mark them PAID so I know what I paid and I can document check numbers, amounts, and dates paid. This not only saves time but insures that I pay bills on time.

Another way we save money is Angel Food ministries.
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Old 04-10-2011, 01:03 PM
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This is only how I set up a budget. None of the prepackaged programs fit exactly. So I used Excel and these are the fields for each expense:
Category
Type
Payee
Acct#
Amount
Freq/year
Total yearly
Total yearly cumulative
Total monthly
Total monthly cumulative
Pay Date in the month (varies for some but gives me an idea of what paycheck will cover what and when to schedule an online payment through my bank)
What Month the bill is due (eg: All, a specific month, quarterly months

Bills cluster in when they are due so I drew a thick black line separating those due at the beginning of hte month, those mid month, and those end of month.

It is easy to add in Excel, make column totals, so I was able to see my monthly cumulative and my yearly and know that I can or cannot cover expenses.

Someday I'll get setup on Quicken or some package program like that, linked to my bank, but for now this manual method spreadsheet is helping me plan ahead.

There are 39 expenses listed down the first column.
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Old 04-10-2011, 02:15 PM
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Thanks!
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Old 04-11-2011, 04:34 AM
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I start my budget with the necessities, the must haves, I begin with the ones that are pretty much set in price then list the bills that I have some control over. For the yearly bills my goal is to transfer that money into savings so I have it when that bill is due.

mortgage/rent
car payment or transportation expense
utilities (water/electric/trash/sewer)
natural gas for heat/hot water I'm on level billing so I pay the same amount 11 months
phone/internet/cable
car/mortgage insurance (higher deductable makes a lower payment)
life insurance
food
gasoline for cars
medical insurance/copays
car repairs (I try to budget a little a month for the normal yearly bills and knowing we will need tires in a year or so I'm trying to hold back a little more)
home repairs
church giving
newspaper/magazines
entertainment
eating out
vacation
clothing/shoes
gifts (christmas/birthday)
school fundraisers

and whatever other catagory your family may have.

Roberta
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Old 04-11-2011, 09:52 AM
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Roberta I really like the idea of using the savings account to save for bills. I do that that too.
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Old 10-15-2013, 04:49 AM
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It is a good time to look over your bills and see if you need to make any changes in service to a better plan for your family's needs.

Are you paying for things you don't use, paying to high of an interest rate, or paying an annual fee? See what changes you can make to lower your bills and ear mark the savings for bulking up your savings account.

Roberta
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