Budgeting for Dummies (AKA How to Make a Budget You Can Stick To)
debt reduction, goals, personal finance | (0)
Budgeting is the keystone of personal finance and frugality, but for many people, it's the hardest thing to nail down. Anyone with a spreadsheet can mock up a budget, but the difficult part is sticking to it. We've talked about budgeting before, in our "11 Steps to Financial Freedom" post, but I've been asked to talk a little more specifically about what our budget looks like, and how we stick to it.
I've been using various permutations of the same budgeting spreadsheet for years, and it breaks our monthly income and bills by name, amount, week, and whether or ...