. . . BUDGETING FOR SMARTIES WITH HOLIDAY BRAIN. . .
. . .EXAMPLES [as promised]. . .
MONEY IN
} your paycheck + any bonuses
} money as a gift
} loans, grants
} money from government programs
} child support
} money from items you sell
...
} your paycheck + any bonuses
} money as a gift
} loans, grants
} money from government programs
} child support
} money from items you sell
...
MONEY OUT
In no particular order of importance, but the BOLD items are typically non-negotiable:
} RENT/MORTGAGE
} UTILITIES: gas, power, water...
} FOOD and groceries
} CHILD NEEDS
} INSURANCE: car, home
} DEBT: credit card or loan payments, child support...
} Other insurance: dental, medical
} Education
} Transportation
} Phone
} Pet needs
} Cable/TV/internet
} Contributions/donations
} Clothing and shoes
} Home items
...
Once you have your lists, the trouble you go through to get your numbers for each will be well worth it.
In no particular order of importance, but the BOLD items are typically non-negotiable:
} RENT/MORTGAGE
} UTILITIES: gas, power, water...
} FOOD and groceries
} CHILD NEEDS
} INSURANCE: car, home
} DEBT: credit card or loan payments, child support...
} Other insurance: dental, medical
} Education
} Transportation
} Phone
} Pet needs
} Cable/TV/internet
} Contributions/donations
} Clothing and shoes
} Home items
...
Once you have your lists, the trouble you go through to get your numbers for each will be well worth it.
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