tag:blogger.com,1999:blog-4338548322518010022.post3463384417831490559..comments2023-08-16T09:17:56.557-05:00Comments on With A Hopeful Heart: Budget GeekSarahhttp://www.blogger.com/profile/16604810218733272554noreply@blogger.comBlogger4125tag:blogger.com,1999:blog-4338548322518010022.post-53470693516007276262013-01-18T16:02:10.166-06:002013-01-18T16:02:10.166-06:00Hey Dweej! My hubby gets paid every two weeks and ...Hey Dweej! My hubby gets paid every two weeks and our budget follows his paycheck to the cent. Yes, we are the zero base type. We don't do Dave Ramsey as our debt is essentially our mortgage and one car payment (only about 6 mo left on that. woot!). <br /><br />Our budget has about 19 categories, including Savings. We alot the money in all the categories where bills and payments take place. This goes all the way down to our netflix subscription, internet/phone/cell, electric, heat, car payment, gas for our vehicles, charitable giving, etc, etc. We also include putting aside the money monthly to allow for our twice yearly real estate taxes that are due, our LP fuel bill (even though it's mainly filled in winter), kids' lessons (music and otherwise), etc. Even my money I put in monthly in an IRA since I don't currently work. We leave the rest to get dumped into savings. Ideally, we don't dip into that, but there are months when we have to a bit due to unforseen things or when the misc budgeted amount took a plunge for one reason or another.<br /><br />Does this help? Let me know if you need more. We're not experts, but we are living on one income and try to keep on making it work. I'm not sure if I am worthy enough to write a whole post on how we budget, but maybe if there was more inquiry?? We'll see.Sarahhttps://www.blogger.com/profile/16604810218733272554noreply@blogger.comtag:blogger.com,1999:blog-4338548322518010022.post-57024941269709229412013-01-18T11:43:42.611-06:002013-01-18T11:43:42.611-06:00I need some serious help with actually keeping a b...I need some serious help with actually keeping a budget. I know! Cheapo lady here and no actual budget! We get paid once a month and I spend until there's "some" left, and then that "some" goes into savings. Isn't that insane? Anyway, do you do a "zero base" Dave Ramsey style, or....? Help!Dwija {House Unseen}https://www.blogger.com/profile/17887429052179249473noreply@blogger.comtag:blogger.com,1999:blog-4338548322518010022.post-44965978481142532702013-01-15T12:07:29.419-06:002013-01-15T12:07:29.419-06:00I forgot you had that. I remember "back when&...I forgot you had that. I remember "back when". I am ashamed to say that I dont' even know how to set up an excel spread sheet. Wanna come over and help?Marijanna and Shaunhttps://www.blogger.com/profile/01973287919844571970noreply@blogger.comtag:blogger.com,1999:blog-4338548322518010022.post-23915942895736589552013-01-15T06:40:00.353-06:002013-01-15T06:40:00.353-06:00I need to check it out - I keep thinking I should ...I need to check it out - I keep thinking I should post our budget and debt payment schedule, but then chicken out because I don't want people to see my finances. Maybe I should just use fake numbers? It's such a simple Excel sheet that people would be like, duh, we all can do that.Colleenhttps://www.blogger.com/profile/11451797365712728579noreply@blogger.com