Good morning, all. Eve here. I know this is off topic, but I wanted to know who would I contact professionally, I guess to help me with budgeting? Since the new mtg. payment is kicking in, I get lost trying to figure that huge amount in with our finances.
I don't think there's need to pay anybody for this. I got myself an excel spreadsheet where i keep track of my CC balances as well as all expenses. I even have a worksheet where I know what date will I be paying off a creditor and/or other bills, for two months in future. It has helped me alot in getting current with my budgeting.
I do have a spreadsheet going, but with this new payment, it is going to take a lot from our budget and my problem comes in as to who is going to get paid and who will not and this is going to mess me up with my credit repair journey.
Excel is all you need. Trust me. My plan of attack over the last few years was to have everything at a glance - I'm talkking every pay period for about 9 months out with excactly what's getting paid and when. I look at this every day and move things around as needed, but it's my plan and I STICK to it. In doing this, I have created a system that works for me and I've reached my goal of paying things off. Now I use my spreadsheet to continue to manage my $ and save whereever possible and to pay more than my monthly amts when possible. I couldn't live it without it. I wouldn't have been able to achieve my goals if I wasn't obsessed with sticking to it. Nothing fancy, just columns listing everything and adding. Nothing fancy.
Maybe start over with a new spreadsheet? Mine is organized with all the creditors and the payment amount that is due and the dates in three columns. Like this:
Bill Amt Next Due Chase 1100 16-Aug
Putting the due dates helped me to organize "which paycheck" that bill will come out of. So in the example above, I'll pay that bill online with my Aug. 15th paycheck (I know it's cutting it close!) Also, don't forget that you can ask creditors to move your payment due dates to help better organize things. Also, and I'm sure you've thought about this, add up all your fixed expenses to see how much you will have left for the non-fixed.