Re: Budget naive
We did it the old fashioned way...
We gathered our bills. We made a list of all our bills and expenses.
If there was an area like electricity that fluctuated. We budgeted the highest monthly amount.
With gas, groceries,clothing, etc we just made reasonable guesses at to what we spent in a year and then divided it by 12. We each get a certain amount of spending $. DH leave a certain amount extra in the acct. Anything over that gets transferred to savings once a month. (So if the electric is less or whatever ... it gets put into savings).
After doing this for 2 months.. we then re-evaluated what worked for us and what didn't. We have now been living on this budget for 2 years or so.
Last edited by Rdesonia; 01-07-2013 at 11:02 PM.