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Discuss Personal Finance Forum
Do you budget? - Printable Version

+- Discuss Personal Finance Forum (https://discusspf.com)
+-- Forum: Personal Finance Forums (https://discusspf.com/forum-4.html)
+--- Forum: The Budget Forum (https://discusspf.com/forum-6.html)
+--- Thread: Do you budget? (/thread-282.html)

Pages: 1 2 3 4


Do you budget? - ghost - 05-17-2018

Do you actually have and stick to a budget? I often find myself paying out a little more than I really expect to monthly because I don't really have a set budget plan in mind and therefore I don't stick to it.


RE: Do you budget? - Martinsx - 05-17-2018

If you fail to budget, you are definitely going to have no track of how much spend and it would likely make a mess of your finances. I don't joke with budgeting because it helps me keep track of my expenses and know what it's important and useless to me.


RE: Do you budget? - Martin - 05-18-2018

I have a very rough budget, and tend to stick within a small margin of it. I don't vigorously write down every single inflow and outflow on a monthly basis as it just starts to take too long and becomes too restrictive, but I have ranges for my budget (i.e. I have £50-100 to spend on entertainment monthly)


RE: Do you budget? - Anachiwo - 05-18-2018

If I say that I don't budget, it would be a big lie but the question is do I work within the budget 100%? The answer that question is No. In as much as I make these budgets, I find it very difficult to work with it. I just try my best to not go too far with my expenses away from what I have budgeted.


RE: Do you budget? - KellyGeo - 05-18-2018

Of course yes, I do budget my spending on monthly basis in relation with the amount of money I earn in a month. This helps me to not spend more what I earn in order not to be in unnecessary debt.


RE: Do you budget? - Heatman - 05-19-2018

I was brought up by my mother all alone by herself and she was the only one in charge of managing the family's finances. I picked up the knowledge of how to plan and make budget from my teenage years and ever since then, I have never done any expenses without making a good budget for it.


RE: Do you budget? - NoviceNinja - 05-19-2018

My budget for the past few years is more of a list of set expenses and what we spend on fuel & food. I cannot do really much about it as our expenses are as low as they can go with the exclusion of cable for our entertainment & internet connection which I really need for work.

I do tally the yearly or semi-yearly bills into months to have saved money in order to pay for an unexpected car repair, etc. I do average into the budget a fixed amount for car & house expenditures so there is extra money to pay the bills as they occur.

I pay our bills way before the due date and keep the utilities, gasoline & grocery bills as cheap as possible by line drying clothes, using rainwater for the garden, using my bike instead of the car when I can, keeping the air conditioning off as much as possible, etc. You see, I have a lot of methods to save money in small ways so that I can be ready for an emergency if ever it is to happen.


RE: Do you budget? - Itsmenermin - 05-26-2018

Budgeting is really a necessary thing. I do budgeting because I know that my daily expenses are getting more expensive. And for me, budgeting is the only way to make everything in stable.


RE: Do you budget? - Kakashi2020 - 06-22-2018

That's a big yep. One really has to budget because if not you'll end up spending your savings or worst, you'll end up in debt.

At home I and my wife do compute our budget for the month and then we break it into weeks, then into days. Doing this we can have a clear picture on expenses vs income vs savings and the first rule is take off the savings first and divide what's left into your budget.


RE: Do you budget? - Heatman - 06-23-2018

(05-18-2018, 11:31 PM)KellyGeo Wrote: Of course yes, I do budget my spending on monthly basis in relation with the amount of money I earn in a month. This helps me to not spend more what I earn in order not to be in unnecessary debt.

Without having budget, you are definitely going to be caught up in unnecessary expenses that would pin you down in such a way that you would get into serious and unplanned debt. This is why it's very important to have a budget either on monthly or weekly basis.