Nurd Pie wrote:
Tried and tried. Failed and failed. I guess I make small advances. Looking now to start two accounts, one for the wife and one for myself. Give each of us responsibilites, and goals. I want to make sure that each of us are carrying the burden. Not just one person paying all the bills. Not both dipping into one pot blindly and useing up funds for other things not in the budget.
I have a real hard time with watching each an every penny. I would rather watch a larger sum at the begining and then as experience comes in learn to focus on the smaller parts.
Biggest issue. No margin, little room to cut expensis. I imagine that is a common story. Past problems include not looking at a budget and not following a budget. Current situation, we are on a budget and talking about it every 3-4 days. Adjusting and making plans. The future I see is that eventually we will start to look out a couple of months and not just a couple of weeks.
Questions, advise. Bring it on.
Good news is your on a budget. That’s a good first step. I do agree we need more information.
1. What are your fixed re-occurring expenses? What are your variable expenses?
2. What is your income? What is your wife’s income?
3. What are your debts? Do you have car payments? House payment?
As far as reducing costs/expenses see this thread