The book's free: www.youneedabudget.com/img/pages/Method/yn
Each dollar is supposed to be given a "job", it can't have two!
I know what you mean though. My DH does the finances/investments and we do have a loose budget but mostly just record expenses. I find it really interesting though that when the 2008 mess hit my DH and I were able to cut back and feel very little pain. I cut my charge card expenses in half.
Since I'm only responsible for my charge card (and also the food budget that goes on my husband's charge card), I have a figure in my head I want to keep it under and do plan expenses so they average out (I'm going to the Caribbean in February, for example, so am saving some each month but other months, have to buy plane tickets, hotel, etc. so those months will be higher.
I'm good at not going over X amount total (for example, if I decide I have $6,000 a year to charge on my credit card, I can hit that if not the $500 average a month). If I had a buffer, I'd invest it so it was a bit harder to use? Money market account you can keep adding to?
Edited by: MARGOMCP at: 7/16/2012 (09:56)
There is no pleasure worth forgoing just for an extra three years in the geriatric ward. ~John Mortimer
| Pounds lost: 4.6