My new budgeting technique!

In the spirit of my newfound organization (and new workspace), I have been getting everything in order -- including the finances.

Now that I get paid every two weeks, the budgeting month to month wasn't working. Some months are two checks, others three checks. Sometimes I ran out of money before the month was up.

Instead, it made much more sense to budget paycheck to paycheck. So, basically, for each payday, I decide what bills fall from that date until the next payday.

Here's an example I made to show what I mean.


Paydays are at the top. My expenses are listed in order of due date. And the amounts for each are listed under the appropriate date. It helps me see how negative or positive I will be for each pay period.

I use google documents because I can check it from anywhere, anytime. It's working well so far.

What's your budgeting techniques? What works for you? Do you use Excel? A checkbook register? Quicken?



Dr. Ty
From the GAL Blog
www.getalifecampaign.com

Rutbreakers #1: Frumpy v. Budget

I hate shopping (I know I probably lost half of my readership just with that line).

Sorry, I do. It's the lines, the congestion, unhelpful sales associates, and the STRESS of trying to find THE perfect outfit because I know I can't afford TEN outfits (Let's not even talk about trying to find clothes that fit women with curves without gapping, sagging or falling off).

I do like nice, new things. If only I could have a personal shopper with my exact proportions... (dreamily jotting that on my to do list)

Anyway. In my primary profession, style and fashion does not win you brownie points, nor does it help you do your job. Sometimes, it can even get in the way or leave you with a hefty dry cleaning bill. So, we wear scrubs. Some women look great in them, as if they were tailored to their physique. Me? Not a chance.


So, in my efforts to fight my most recent rut, I have vowed to start dressing like an adult (a cute adult) and leave my scrubs (which look like PJ's on me) at home as much as I can.

That sounds great except for one thing: I'm BROKE. If I wasn't broke, the new car has now made me broke. And most of my clothes either don't fit (too big or too small), are out of style, or have rips/tears/stains.

There's a light at the end of the tunnel --

Sarah Jessica Parker launched a line called Bitten at Steve And Barry's. Are you ready for this? Everything in the store is $8.98 and under. Yes, as in less than NINE bucks. Pants, blouses, shoes, accessories, the whole nine. If you don't like SJP's line, there are others in the store.
TIP: If you don't like what your closest S&B's has, try checking others. I have been in two so far and the selections varied greatly.

I was just so happy to find NON-frumpy clothes at prices that didn't knock me back into the rut off of buyers' remorse. I didn't know what to do with myself.

Target also has a few designers at affordable prices (and you don't have to step foot in the store). Let's not forget the oldies but goodies: Forever21, H&M.

Gone are the days of having to bankrupt yourself to be stylish. Just in time.

Dr. Ty
From the GAL Blog
www.getalifecampaign.com

In keeping with the last $$ post...

As I perused CNN's Living articles today, I saw the headline: How to find your hidden money. The skeptic I am, I avoided clicking such a foolish link. Instead, I clicked on: How close is too close to an ex? I know... I know... scholarly reading at its best.

At any rate, after sending the ex-article to about seven friends, up popped the money article again. It was tempting... and I clicked.... to my surprise, I actually found some of my hidden money at Missingmoney.com! It took me to the Florida state treasury website and I followed 3 instructions on how to print out the claim form. Fun-ny.

First the tax rebate -- now missing money! What's next??

My only piece of advice is: don't pay a service to find this money for you. Good luck!
Missingmoney.com
FDIC lost funds search


Dr. Ty
From the GAL Blog
www.getalifecampaign.com