Hi there:)When it comes to budgeting, I think the key is to begin with the absolute basics. Take two months and make a detailed spending record. Don't place too much effort on changing your spending at this point, just write down every dime you spend and on what (including coffee, snickers from the vending machine and your morning newspaper).Here's a website that can help you with this:http://pages.ivillage.com/crispybrownie/crispybrowniesspending/Once you have your spending record you will have a true guage of how much you spend per month and on what. Then you can make what Jerrold Mundis refers to as a "spending plan" (which is the same as a budget really, but without the negative connotations that the word "budget" seems to bring up in many). Really all a budget is is a detailed plan of what you expect to spend in that month. By tweaking the way you view budgeting you can help yourself become more successful at it.A great way to get started is to read up. Here are two books that really got me started:1. How to Get Out of Debt, Stay Out of Debt, and Live Prosperously by Jerrold Mundis2. Debt-Proof Living by Mary HuntHope some of this helps:)Nickie
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