Do you write a budget for your household?

GalwayGuy2

EDIT: Damn typos...

keith16

Yse but somteimes I d'ont sepnd all teh moneyz.

davet82

i write it in my head

biko

Only after I've used up all my money.

juan.kerr

Yes and I 'annualise' one off expenditures such as insurance, motor tax, TV licence, service charges by setting aside money each month and paying for these items out of that 'fund'.

Where To

Yep, I demand that all members of my household spend less than they earn.

Good job I don't have kids. Or a high maintenance wife. Or a dog or a cat.

xLexie

Yes, I budget money for bills and then use it to go out.

Dravokivich

Something I've been meaning to do but kept on the back burner.

I always set aside money for rent, bills, booze, meat mentally in my head. But never properly track it, or plan it in advance. Which is something I'm going to get more into soon from next payday.

Paddycrumlinman

Yes, have to with a Wife and two kids. I get paid every 2 weeks, which is great in it's self. Hated being paid by the month, I found it very hard to manage my money.

My budget is this.

Total my bills and outgoings per month. I then divide it in two. I get paid, remove bills / expenditure and try and save the rest. The same happens with the second pay cheque of the month. Twice a year, I have 3 pay days in one month, this is what I call a bill free pay day and its very helpful.

I have to budget so I can best provide for my family and try and save a few quid if possible.

kincsem

Yeah. I budget €0.00 for everything. When I get the monthly profit and loss account everything is over budget. Am I doing it wrong?

0ph0rce0

Monthly Salary = Monthly Drink Budget.

Biggins

Since the present government came in, continued policies of the previous and instigated their own, we are permanently on a budget!

I suspect we are not on our own.

GalwayGuy2

Total my bills and outgoings per month. I then divide it in two.

I feel like a bit stupid after I struggled to figure out why you divided it into two:P

mconigol

0ph0rce0 wrote: »

Monthly Salary = Monthly Drink Budget.

Feels like that sometimes!

fatherted1969

Best thing i ever did was set up another account that all my bills come out of. I then get a set amount coming out of my current acc to cover these bills. Works out really well for myself. Dont have the esb or the phone bill in it though which can be a bit of a struggle. Be great if you could pay a little off both every week which would leave the final bill small but i tried that a couple of times and they werent interested... Pity