Wednesday, November 17, 2010

Budgeting

Everything is expensive now. I remember the times when your $100 budget for groceries go a long way. This time around, not anymore! Your $100 will just cover few of your basic necessities. Oh you can not imagine how I get stressed every time I look at the receipts that I have from our groceries. Despite the fact that I always look for the best deal and I use plenty of coupons, our money doesn't stressed out that much.

Sometimes I ask myself how those big families are able to survive. One thing is for sure, in order for our family to survive on the meager amount that we have, we have to make sure that we stick to our budget. I do have budget worksheet at home. I schedule payments every week. Since my husband get paid every week, I have to pay bills every week too. I pay utilities in one week, rent the next week, phone and internet the other week. On top of this basic bills I have to squeeze in our medical/dental bills if there are any. Also, every week I have to have budget for groceries.

It sound hard as to how I am able to manage paying everything and every bill that we have but I can proudly say that I do it with mastery. It helps that I am used to living in a tight budget. I also found free personal budget planners online which anyone can use. With this budget planners I am able to keep track of our bank accounts and credit cards too.

There is a free budget software offered by Mint.com that is very helpful in maintaining your accounts and making sure that you are in track with your finances. Mint will help create a personalize budget for you. It can even send you email reminders when your credit card bill is due. This software is really amazing in helping you keep on top with your budget tracking.

5 comments:

yen said...

very indeed true ms lu. now ng extend nsad mi for grocery expenses lang...

Dhemz said...

korek! as in..ang 100 bucks nga grocery kay mga 3 lang na ka bags...nyahaha...life..sa pinas ang 100 bucks dako na kau.

Vernz said...

Lu, mubalik nalang ta sa bukid ani kay libre na tanan... hahaha... agi ko.

Josie said...

buti jan meron discount coupons na magugupit, dito wala (sob)kahit sobrang tipid ubos pa din budget. :(

wintergurl said...

yea . everything is expensive and expensive

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