Budgeting-Great Advice On Budgeting Worksheets, Personal Budgeting, And Budgeting Tips

Johnny Ma asked:


I’m looking for a good small, lightweight stand up vacuum cleaner. I’m not sure if I want bagless or not- it sounds like a bunch of hype to me… besides- bags are a lot cheaper than replacing those filter things.

Budget wise, I want to stay in the $50-$70 range. I can’t see the reason why I need to shell out $500+ for one of those Dyson jobs- no matter how well they work.

Thanks for the advice!

Elias Brammer

stephen l asked:


i have 3 acres which is not landscaped trash in some places i have 4br house 5people living here 2 adults 3 kids its a mess 3dogs me and my wife both work with different days off we are very overwhelmed on a very tight budget should we both start inside or outside should we split up.please any advice from other working class familys would really help.we could reduce are stress if we where more organized.

Bibi Rowlett

Kyle asked:


Hi. I am a 21 year old man from New Brunswick, Canada. I work a full time job and make $1800 per month. I am looking for some budgeting advice in order to pay down my debts. Here is my financial situation:

1) I pay $200/month for rent.
2) I pay approximately $300/month in minimum payments on my two credit cards with a total balance of approximately $3000.
3) I owe $3000 in personal loans from family members and friends which I am not currently paying back.
4) I pay about $250/month in utilities.

I find it hard to keep track of the rest of the money and I struggle to make it from paycheck to paycheck without using my credit cards. Any info you wish to share would be greatly appreciated! Thanks.
Hi. I am a 21 year old man from New Brunswick, Canada. I work a full time job and make $1800 per month. I am looking for some budgeting advice in order to pay down my debts. Here is my financial situation:

1) I pay $200/month for rent.
2) I pay approximately $300/month in minimum payments on my two credit cards with a total balance of approximately $3000.
3) I owe $3000 in personal loans from family members and friends which I am not currently paying back.
4) I pay about $250/month in utilities.

I find it hard to keep track of the rest of the money and I struggle to make it from paycheck to paycheck without using my credit cards. I have absolutely no savings and transportation to and from work is not tweakable - I live an hour away from my job and moving is not an option at this point. I’m just looking for advice on how to get things under control before I get in too far.

Thanks in advance for any advice offered!

Jay

roam asked:


My husband doesnt really know how to budget. He is the one who is handling my money/salary, that means my money is always at risk too. I feel so bad whenever i see the money wasn’t spend wisely. Before, he didn’t even give me money at all but i complained to him so he gave me a little bit of the money that i am earning. I feel like the situation is so unfair. I’d like to take my debit card away from him but i don’t know how to tell it to him without him being offended. I am thinking to open a new account so i can just always deposit my paycheck to my new account but if these happen, how do i share when paying bills like apartment, food, internet, phone? How many percent i am supposed to share which is fair to him and fair for me too. We don’t have kids yet.

He is earning like around $3,600 per month and i’m just earning $1,300 per month.

Thanks in advance.

Rolland Bosack

Kate asked:


I can get my license this summer and my family as of now is on a pretty tight budget. I need advice on convincing them on getting me a car because i need to be more independent. And i know i want a nissan xterra or a volvo xc90

Alberto Padillia

stellabellababy asked:


I am looking for advice on how to market/advertise my online baby boutique with a very small advertising budget. I signed on with Network Solutions, and they have reworked my site to be more easily recognized by the search engines. I have also signed up for their keywords campaign. But at $700.00 a month, I don’t think that is the best choice for me. I am at a loss with trying to figure it out on my own. My budget is very small. I am looking for ways to promote my boutique and bring in shoppers. I am so busy with all of the other facets of the business, that I don’t have tons of time to devote to researching different ways of advertising. What are the best ways to get my boutique noticed and shopped? Any suggestions would be greatly appreciated! I am very dedicated to the success of my boutique! Thank you!

Rico Aidt

Tamiera H asked:


Hi i recently purchased a stackable washer and dryer and the owner explained it woud be okay for my small apartment. He told me that the unit was only used for a few years but after further research…it’s been around for 20…anyway it has a three prong cord, made by whirlpool, electric, 2 long hoses, a dryer vent, and a small black scrunchy thing?…(it looks like water is suppose to run out of it). As you can see I am clueless. Please offer any advice…I’m on a budget I can take pics please offer an email address. Thanks in advance
The three prong is very large. I would say I have a problem. I’ve been bamboozled…if that’s the right word…sighhh

Everyone offered great advice. Thanks so much…I guess making dinner won’t get me out of this one…Maybe a couple of dates…lol

Telma Degrazio

Mr. Bradshaw asked:


I would really appreciate your help. I got fired from a good paying job and had to take a job that pays significantly less just so I could have ANY job to survive. Eventually I want to get out of this situation but in the mean time I need your advice on budgeting my income.

Soon Altenhofen

Jason P asked:


I’m thinking about moving out of my parent’s house and renting an apartment. Currently, I’m making $13 an hour before taxes, though that may be going up a little soon. I am working in Madison, Wisconsin, though currently I am living about 60 miles away and commuting each day. Obviously, the gas costs are big and as they continue to go up, it won’t be long before it is not feasible at all.

I have to pay about $260 a month for student loan payments, will be paying about $50 a month for a cell phone, and will be taking on my own car insurance soon, though I don’t know how much that will be yet. I would probably also want at least basic cable and internet access in an apartment.

I also need to know how to search for an apartment. I lived on campus when I went to college in Green Bay, so I didn’t have to worry about searching. What is an acceptable amount to be paying monthly, especially since I will probably be living by myself?

Gil Carideo

thracianwarlord asked:


I inherited a small network with one rack, very sparsely populated, and some towers on a shelf. I am looking for advice on cooling, specifically, a single rack setup. Which is better, open frame or blanked with exhaust fans? Any direction or input is very welcome. All the docs out there I can find deal with multiple rack systems and dedicated AC, etc. We don’t have a budget for that stuff. Thanks!

Eula Franchette