When I was first introduced to budgeting, the model used was the envelope method. Every payday you'd take your cash and divide it up among envelopes labeled "Rent," "Groceries," "Electric Bill," etc. [more]
Does your budget include a contingency for fuel to get much more expensive? Because it ought to.
I learned about the need for contingencies early. [more]
In my first job out of college, I was on 12,000 English pounds per year. That was back in London in 1996, i was single, lived with two friends and only had rent and travel to pay for. And I still remember how tough that was. [more]
Budgeting can be difficult. For some people (like me!), it brings up things that they may not want to see. For others, it's a necessary but frustrating tool to curtail spending, or a painful reminder of how much they overspent, yet again. [more]
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