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  1. #11
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    There's an awesome book out called "My Budget Mate " not sure if I can link the website, but you can google it.

    Teaches budgeting from a grassroots level, fantastic tool.

  2. #12
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    Quote Originally Posted by MrsJoey View Post
    We use excel. Hubby made a kick a** template.

    It has just a few cells able to be changed and then formulas do all the work. Since we started using it we've saved about $35k - neither of us had ever had savings before in our lives.

    If you want a copy, let me know 😄
    I would love a copy if It's not too much trouble

  3. #13
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    Course you can 💛

    Any idea how I can add attachments??

    Or maybe just PM me your email address and I'll forward from our Mac???

  4. #14
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    I use excel as a spreadsheet for monthly income & expenses. But really, I generally just make sure rent, childcare is paid, food & bills & petrol we wing it. Impossible to really "Budget"now that were both unemployed, but once were both back in fulltime work, were going to be better with our money hopefully!

  5. #15
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    Quote Originally Posted by MrsJoey View Post
    Course you can 💛

    Any idea how I can add attachments??

    Or maybe just PM me your email address and I'll forward from our Mac???
    I would love a copy too MrsJoey if you don't mind...I'll PM you 😊


    Sent from my iPhone using Bub Hub app

  6. #16
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    I don't budget for gifts, etc. I only budget for expenses and then everything else goes into savings - which we then draw on for gifts, etc.

    I wrote out our weekly, fortnightly, monthly, quarterly and annual expenses. Then broke those down to fortnightly costs (our pay cycle) and put that much money aside each pay day.

    I then worked out what days for which bills per month. I print out that list and leave it on the fridge so DH has an idea of our monthly expenses as well (I manage our finances). I tick them off each time I pay them so I can track what's done and not and get a good overview myself for the month in case of unexpected expenses that may crop up, so I can work out where to pull out funds from to cover those bills.

  7. #17
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    We use excel and it is done monthly as that is when my DH gets paid. It factors in everything. We don't specific gifts but it is part of our spending money for the month. So if we want to save for something it comes from that.

  8. #18
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    I'd love a copy of your excel spread sheet too mrsjoey if that's ok?

  9. #19
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    I need to figure out how to do a budget. Can I ask, is anyone here self employed with an income that really fluctuates and manages to budget?! I'm a sahm and dp is self employed. Each job he does pays differently, some builders pay straight away, others monthly so some weeks we have a good amount in our account and catch up with bills and other weeks we need to make our money reeeally stretch. It's impossible to get ahead!!

  10. #20
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    I use excel spreadsheets.


 

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