I don't think budgeting is off topic at all. I had a very strict budget when I was in college, my wife and I were living off jobs that paid barely above minimum wage in the DC area (not an easy thing to do). We had our budget down to pennies!As time went on, we fell out of it, however, I decided to try budgeting again after reading "The Millionaire Next Door". Budgeting takes time, and I believe that is what happened to us, we lost the time for setting it up. In that line, I discovered that too much of my time was in use if I could not free up a few hours per month to set up a budget.Our initial figures came from Quicken, which I put in a spreadsheet. From there, each pay period we project the expenses. If I don't have time (which I didn't the past few weeks because of a graduate course I was taking), I set aside an extra amount of money aside and hide it in savings or whatever.The system works. Also, as the budget begins, you discover ways to cut costs quickly. After the first round, it gets a little difficult though. My biggest savings was from bringing lunch to work and not eating breakfast at Mc Donald's on the way to work. Also, we switched long distance service.George
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