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Thread: So flippin' frustrated

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    Default So flippin' frustrated

    I have been saving all of my receipts for weeks. I've gone through them and put them in appropriate categories......... now what the hell do I do? I want to build a budget and see where I can cut back on expenses but I feel so ignorant! It makes me so mad!
    I've looked up excel sheets but they don't work for me, I have multiple sources of income and its not the same amount every month........ grrrr I'm so mad and I have a screaming baby in the house and I just want to run out of here and buy a pack of smokes!!!!!!!!!!

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    Default Re: So flippin' frustrated

    First, write down all of your sources of income & total them for the past twelve months. Toss out the highest & lowest numbers, then average your income. After that start looking at what you are spending per month & total those numbers. In theory, according to many credit experts, your expenses should never be more than 1/3 of your monthly income. If you can cut your expenses to 1/4 of your monthly income, that is even better! Look at what you are using that you don't really need, like cable tv, & cut any of those expenses. If you are purchasing large amounts of something (i.e. eyelashes, a certain food, etc.), look at buying it in bulk so the cost per item is less. Also keep in mind that if it's work related there is a good chance you can take it as a write-off if it passes the "housewife" test... in other words most women don't purchase it just to feel good in their daily lives.
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    Default Re: So flippin' frustrated

    agreed with Kylea that to get any meaningful numbers in your personal situation it's probably necessary to arrive at an 'average' monthly income based on a year's worth of actual earnings data ... and to also arrive at an 'average' monthly cost of living based on a years worth of actual spending data.

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