The Only Tip You Need for a Successful Budget

Don't spend more then you make. It works for me.

I have to have a budget; I look at a spread (which can be found at a $.store;) Sheet and enter tothe rightwhat is owed and monthly columns Jan, Feb. March etc. and each mo. put what I paid; At the end of month; I check and make sure evertything is paid and when it is due; This is the only way I can keep up with; This is done weelky also; and I pay I bill I write it down; House Noe, Lites, Phone, Cellphone, Ins. Car, House, Doc. Px. Groceries, and even gas for car; Car Repair; everything; Being on a fixed income I found this is the only way I can do it; And a lot of prayers!!

LMAO! SPEND less than you EARN...Hello?! Mr Obama...You Listening?!
....Dump OBAMA....Dump the DEMS....SAVE AMERICA!

Spend less than you earn and save for a rainy day. If you are running short then truly cut spending and or get more income as an example a 2nd job or no cable.

This tip goes a long way and it's the motto of my budget. For the geniuses whose complete financial strategy is 'Spend less than you make' , while a very good point, can you tell me how much you're able to save for a purchase, put back for savings, ect in 2 months? 6 months? next year? I can.

I've started doing my grocery shopping online - It tells me right there what I'm spending, it saves me time having to shop on the weekends or after work, it's cut out impulse purchases and helped me with menu planning. It does have a small fee but I've found what it saves me in the time and impulse shopping WELL pays for it. I have a set dollar amount each payday for food shopping and this has really helped. Another thing I do is seperate the bills into two groups, when I get paid I pay all the bills in group one, next payday pay all the other bills. Then you don't have to worry all month about when something is due. It's saved me a lot of late fees.

I also take out cash for "fun money" as well as gas. Those things I put in an envelope in my purse so I don't over draw my account anymore and I know exactly how much money is left to eat out or go out with my son. Gas is on a tight buget especially with the rising costs but it can be done.

These things have all worked for me, hope they work for others.

budgets only work if you have the same income each month, if you are self employed good luck-especially farming-not so easy, I use to sit down and beat myself up each month, make payments, change payments, hours spent for what? Now I just pay the bills when they are due, don't try to pay extra if i can't and just don't stress out about circumstances i can't change

How about just living and spending with common sense while being aware of your financial boundaries? I've never had any formal budget written up but always seem to be ahead at the end of the month and have savings and investment allocations as well. I don't have a mansion or a new luxury sedan every two years, but I'm fine with that. A sense of security is worth more than any material possession.

ACE is correct, don't be likie the governments.

Don't effing spend more than you make!!! How easy could it be? Now tell the effing feds!!!

Live within your means!

What I've found works best for me is to enter on my calendar on the computer when bills are due, and the amount. Then I give myself a few reminders so I can pay before I get hit with a late fee. Not to mention NOT taking my husband with me to the grocery store!

this was a waste of time reading.

Uh, no the only rule you need is "don't spend what you don't have." Being flexible is nice yes but if you don't have the money to be flexible or you have lowered all your bills to their lowest price point then really your only option is to "don't spend what you don't have."

Get out of debt. Cut up all credit cards. Only buy what is necessary. Save for any luxury item you really want. Cash is King.

Here's the only tip you need: It helps to have a job to manage a budget.How's that? Brilliant huh?

I know people think this article was pointless. But I liked it. Mainly because there is way too much crap on here giving you this long list of what to do, what not to do, follow these rules, blah blah blah. Plus as long as all your bills are paid then it's all good.

Sell those silver quarters in the picture!

Divorce her and buy a supple blowup doll.

A better tip fior a successful budget: get a higher paying job.