We do not have an official budget. We really need one. We have been working at paying off our debt and should be very close to doing this next month. The problem is we spend what we make. Not more than we just spend what we have. Then on months we get our high bills it kills us. We pay all our insurances and our home taxes 2x a year. I want to find a way to set up a budget that allows us to save for these things and put some money in savings.
I am going to make this the year we have a budget. I do not want it to be complicated. I love the envelope idea but I am afraid of keeping all that cash in the house. Yet I feel as if using the debit card all the time just begs for trouble.
Crystal over at Money Saving Mom is doing a challenge and going to walk through making a budget. I am going to take her up on this one and see what I can do. Dh would love to have it all in order if I present it to him it would make his day. I am excited to be able to serve my family in this way. Let's get financially responsible.