If computers are not your thing it can be difficult to follow any sort of budget. Most budgets are computer based now and can really make your life easier as they track and categorize your spending. With an electronic accounting program, like Quicken, you can print off exactly where you are at a second's notice, you can download your spending from your bank, etc. However, this is going to do you little good if you are just not computer savvy. So, what can you do, or how can you set up a budget that will work even if it is not on a computer. Try the following:
First, sit down and write out all of your expenses that are fixed. This would be things like your mortgage, your car payment, and other debts. Your phone bill if the same every month would go here, your internet, insurances, etc. Once you have all of your fixed expenses recorded, you will need to record all of your variable expenses. These are things like gas, groceries, entertainment. Now you need to look at your income, and what you should be spending on the variables to keep you living within your income, and to keep you from getting in debt. You should also set up some savings. You will want to put a certain amount of your check into your savings every month. You will probably want to put about 10% of your income into savings.
"How to set up a workable budget if computers aren't your thing" »
