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Hello All,
First I'd like to say, thank you. I have learned a great deal from being a part of this forum. I'm feeling a bit frustrated today but am trying to keep positive by taking action instead of looking back on my past mistakes.
My biggest issue is budgeting...I just don't do it. Does anyone know or can recommend a good "free" budget tool and that help me stay on track?
Best...
You can use Excel. Put what you make a week and below put what bills are due for that week. I know it's nothing fancy but you will be able to see how much money you can spend freely with out over doing it. If you like I can forward something to you?
I have also been using Excel for years. Each row is a payment and each column is a pay date. I have the budget out to the end of the year and you would be amazed that you can find extra money just by putting it down on paper.
A side bonus of this is that it helps paying bills on time.