How much do you put away/pay.
We have $500 left over after mortgage/car loan.
I've never done budget but now we have a mortgage I'm trying to budget strictly.
We have gas, elec & water. The rates have been paid for a year in advance. But things like car and insurance is $2000 a year so how do I budget that in. I'm so clueless.
We also don't have 'accounts' just offset so I have to set up direct debit. Help please!!!