Learning to budget and track personal spending

[glykahipe03]

Learning to budget and track personal spending is really important. I have control on my expenseses, and it avoids me from having debt or shortage, it also helps me ensure that I have enough money for my top expenses.

[Heatman]

When you budget and plan your expenses and expenditure, it's definitely the only to keep your getting into unnecessary spending. It's going to make you spend only on things that you need to spend on and not just everything that comes to mind.

I always make a list of things that I need to buy on monthly basis and cross out the unnecessary ones to only spend on the important ones.

[KellyGeo]

Take care with how you spend and make sure that whatever you actually spend is actually what you need to spend on is the only way to keep yourself from making wrong decisions on buying items. Ensuring that you spend according to the budget drawn out by yourself either for weekly or monthly expenses, then you would keep a good track on your spending and prevent unwanted expenses at the barest minimum.

[Kakashi2020]

What I do is, I leave all the financial tracking to my wife who's also an accountant, she's the one who's designated to check, record and keep track of all our spending habits and expenses.

We do a weekly budget so every Saturday night I and my wife plan, compute and fund our budget for the preceding week. Doing this prevents us from overspending and unnecessary expenses. From this approved budget, we also try to save money by buying marked down grocery items. All saved money from our weekly budget would be spend on giving our kids some treats. In our case two heads are definitely better than one.

[rievilla]

i have been tracking down all my expenses just to meet both ends seems not enough for me. Aside from spending only for the needs and only spend extra when there's available budget. I am thinking of a software or an app that u can readily use to monitor all expenditures of the family. Think this can be of great help.

[iamjoeymercado48]

[quote quote=1767]Learning to budget and track personal spending is really important. I have control on my expenseses, and it avoids me from having debt or shortage, it also helps me ensure that I have enough money for my top expenses.[/quote]

Learning to budget and track your personal spending is a MUST to everyone especially to those who work and earning for the family . It is a must to everyone that we must practice because we are the only person liable to our expenses and we are the only person who held responsible to track our personal spending. This is a practice to us so that we know where and when exactly our hard earned money was spent so that we make sure every centavos where put into the right place and spent in the right thing. And by this I think we can assure what are the things we need to set aside when we got over spending and what are the things we need to put in our top priority. By using this we can also practice the separation of needs versus wants.

Thank You!

[xXInfectedXx]

I have both Microsoft word and Excel installed on my PC. On Word, I bullet point a list all the "Essential" personal spending bills I have to pay and the non essential luxury items I want. Constantly throughout the month I'll record my income and debits out the account and debit name. I'll see what profit that been made after paying of water, gas, bills and I'll use a percentage profit for luxury items and a small percentage towards the emergency savings funds.

[whitesno]

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[whitesno]

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[whitesno]

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