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

nick birch asked:


I used to use MS Money but I see they have stopped selling it.

Can you recommend a good personal financial budgeting software? I want to maintain detailed bank statements, pensions, mortgage info, and stock portfolios all in one place.

I want the functionility of MS Money.

Thanks

Y

justme asked:


I am looking for a personal finance program for budgeting and tracking investments but everything I look into seems to track everything monthly. I get paid bi-monthly and want to budget bi-monthly. Anyone have any recommendations?

Wallace Laskoskie

Wardog’s wifey asked:


I am looking through old bank statements etc i want to start budgeting our money. i’m finding it difficult to determine how much money to say we make as it changes every pay period… my husband and i have both only been at our jobs for about 4 months so i’m having a hard time finding a common number based on averages. Also for expenses like tenants insurance that we only pay once a year do i include this or not and if so how.. i’m also wondering, because i found a template online, but it wants me to list things like the cash value of my life insurance… how do i find this number out. and why do i need it…. ahhh i need some money help. we are young (20 and 22) but we would like to start saving for a house. my parents were horrible examples of how to budget and spend money wisely… i do not want to follow in their footsteps! thank you in advance for your help!

Steven Richardson

Christopher K asked:


Between abortion and budget wrangling it seems neither side in Washington gets it, and God knows many of us regular folk don’t. Why is that?

Ethan Katoa

I **** my haters asked:


I asked what you all thought would be scarier, being homeless or young & pregnant. 99% of you said homeless. Now suppose a young girl was in that “scary” homeless predicament, but dug herself out of it in a relatively short period of time, by working hard, being innovative, budgeting, reading up on budgeting & personal finances, and really turned her life around in about a year? And suppose this same self-sufficient hard worker then got pregnant(unmarried)? Do you think she would be most likely very capable of taking care of a baby, since she’d obviously faced & conquered bigger obstacles before? Or, do you think her homeless experiences would deem her to be “worse” than most other moms-to-be, since perhaps her homeless experiences might have psychologically scarred her a little? Or perhaps if she became homeless before, maybe she’s more prone to become homeless again?
Either way, how do you think one’s past homeless experience(s) affects how capable of a parent/provider she might be?
Just to clarify: The “pregnant girl” that I wrote about in this (completely hypothetical) situation would no longer be homeless. She used to be homeless but worked hard to pull herself upward and now has her own apartment.

By the way: I’m not pregnant, nor is anyone that I know that used to be homeless. This is a hypothetical “thinking” type of question. But the feedback is very important to me.
Note: Sometimes even precautions/contraception doesn’t work. In my scenario, the condom broke and then the emergency contraceptive pill didn’t work either. True story too by the way.

Natalie

molleyalex asked:


I’m only in my sophomore year of high school, but already I’m thinking far ahead. I really, really, REALLY want to live in England, and honestly I want to live there as soon as possible. But I’m TRYING to be logical about this, and have come to one question I’m not sure about: is a better idea to move to another country FOR college, or AFTER college? I know my personal budget will be tight either way, but does anyone have any suggestions?

Danielle Sanford

Mr. Prediction asked:


Be easy on me..I’m only 4 years out of college.

Okay: I take home after taxes, Ins, fully funded 410k, gym etc $5294 every 2 weeks or $10588 per Month. I did get a bonus at the end of last year around 14K and I except 14k-20K this year.

I have zero debt except for my house I bought 18 Months ago. My house is a 5 bdm, 4 bath with 2 acres. My payment is $2492 per Month (PITI). Gas, groceries, utilities, car insurance is $360-$505 (max). I save $2500 in long term savings, and $1500 in regular savings…I take out to buy a car etc…avoiding int charges. I have 128K in aval credit with zero being used, FICO’s are Ex:794Eq788TU=801. I have been paying $1200 per Month extra on mortage (payoff/9/2016) I give $800 to charity. I am dating but don’t paln on marriage anytime in near future.

ask any questions…and I’ll answer you.

oh…I did 6.5% in investments last year

I work for GE Aircraft Div, system eng
AZScoor: LOL, no I’m not looking for a wife, I have no problem getting women…most of the time. But I know there must be some very smart people in here who could offer some serious advice to someone who is serious about success.
The Question IS…..any suggestions or thoughts on money, credit, future planning, stock options????

Lance Freidhof

ConfusedMK asked:


Have to use by september. Thinking June or July for actual vacation. What to leave the US and go somewhere and do something that I will always remeber. I love crazy, adventurous, off the wall stuff.

Does anyone have suggestions?

Ashleigh Garofano

Dan S asked:


what is the importance to prepare personal family budget

and why are they usually prepared on a monthly basis

Jasper Danns

Absolut2892 asked:


I’ve found recently that I needed some way to control my entertainment and dining out spending. I am starting to experiment with personal allowances. I like the concept of setting a side x amount of dollars to spend each week on entertainment and dining out. If I exhaust that amount I force myself to wait until next week for more “allowance money”. If I stay in one weekend and don’t spend it I can start to accrue allowance money. On the same token, If I have a big weekend coming up where I know i’m going out (birthday celebration etc) I can stay in the week before and save my allowance money.

This gives me free will to take that money and know that its mine to spend and I can spend it freely but once its gone its gone.

My question to people who have done this; How has an allowance worked for you? What amount would you recommend for this type of allowance (amount or percentage) I was considering $100 a week. Everyones thought and input would be much appreciated!

Elmer Kennett