Spreadsheet? App? Writing it down?
I've started using an app called Home Budget and it looks good but I've only just started so don't know if it's the best way.
Also, do you budget every little thing like saving for Xmas, holidays, etc, or just what your regular bills and expenses are?
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14-04-2014 12:40 #1
How do you budget?
14-04-2014 12:50 #2
I don't have my printer set up and I wanted a hard copy so I just wrote mine up. I include everyday expenses (including car services and things that don't occur too often) but I don't factor in birthdays or Christmas.
14-04-2014 12:59 #3Senior Member
- Join Date
- Sep 2008
im going to try that budget on the ASIC site...we are dreadful budgeters...appalling...embarassingly bad..beyond a joke really...mmmmm but i would say i need to look at everything initially.
16-04-2014 06:58 #4
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16-04-2014 07:04 #5
We did up a budget last night. There is everything on there from car maintenance / birthday & Christmas presents etc.
16-04-2014 07:48 #6
Last year, I wrote down everything we spent (using excel). I had each row as a category, eg. 'food', 'toiletries', 'parties/gifts' etc., kept all receipts and noted everything down for the week as I went. I found this really useful for figuring out how much money went where.
There are some good government resources available which might make it easier. Take a look at http://www.moneysmart.gov.au
16-04-2014 08:18 #7Senior Member
- Join Date
- Feb 2014
- Perth WA
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 😄
16-04-2014 08:30 #8
I have a template in excel where I just need to change what's spent ie if electricity bill goes up I edit that column and it works out how much I need to change my weekly budget for it to & the rest do the same.
I then have another sheet in the same where I have a running tally on the account for what's in the account for each bill & savings. I also have another sheet for a running tally on the credit card so I know how much I need to take out each month of which bills to pay credit card off.
We have an offset account for our mortgage so all wages go into the account for the month and we use credit card then pay it off at the end of the month so we get all the points, save on interest for our mortgage and don't pay interest on our credit card.
16-04-2014 08:37 #9
We need to budget were are terrible with spending
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16-04-2014 08:41 #10
Ohhh MrsJoey I'd love a copy. I tried making one a few months ago, failed miserably so gave up budgeting. Ha
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