How many of you actually have a budget?

[shortylickens]

Horrible as this may sound, for a brief period in my life I actually did set aside a couple hundred bucks a month to see an escort.

 

[udneekgnim]

no budget because I don't spend money except on food on a daily basis

I'd estimate every 3-6 months I'll make a PC upgrade purchase and when I get bored buy a PC game

 

[ElFenix]

Originally posted by: Ns1
wow, my budget looks great until you factor in lulz and delivering fails

fixed

 

[zinfamous]

bud.....what?

 

[Ns1]

Originally posted by: shortylickens
Horrible as this may sound, for a brief period in my life I actually did set aside a couple hundred bucks a month to see an escort.

Should have just paid with video cards.

 

[Lamont Burns]

My paycheck gets carved up about 6 times before it hits an easily accessible account. That's how I do it. The budget is changing right now, however.

I'm raisin' mah capitals!

 

[Jeff7]

No budget. I pretty well buy only what I need, and that's it. I don't have many places left to cut from. Next on the chopping block though would be cable TV, leaving me only with Internet.

After that, I'd have to start cutting down on stuff like computer use, heat, and food, in that order.

 

[Jumpem]

I have a budget that shows income, investments, bills, expenses aside from bills, and savings.

I do not, however, categorize how much I have to stick to for groceries, gas, restaurants, or entertainment. My budget is nowhere near that tight.

 

[Baked]

I've never balanced my checkbook in my life, I've never lived paycheck to paycheck. I know how much money I have at all times.

 

[thirtythree]

I just don't spend money on stuff I don't need... Budgets never struck me as very helpful.

 

[shortylickens]

Originally posted by: Ns1

Originally posted by: shortylickens
Horrible as this may sound, for a brief period in my life I actually did set aside a couple hundred bucks a month to see an escort.

Should have just paid with video cards.

I wanted hot young women, not hairy old men. :laugh:

 

[Ns1]

Originally posted by: shortylickens

Originally posted by: Ns1

Originally posted by: shortylickens
Horrible as this may sound, for a brief period in my life I actually did set aside a couple hundred bucks a month to see an escort.

Should have just paid with video cards.

I wanted hot young women, not hairy old men. :laugh:

I think you missed the AT reference by [that] much.

 

[MooMooCow]

Browsing the Hot Deals section kills my budget plans faster than anything else.

 

[JEDI]

Originally posted by: HardcoreRobot
i live well below my means so i dont have to have a budget

THIS.

but is it bad? why?

 

[JEDI]

Originally posted by: Engineer

Originally posted by: ElFenix

Originally posted by: Engineer

Originally posted by: Ns1
And stick to it?

I use Budget Calander and keep my budget up to date for one year in advance on a week to week basis. I don't even balance my checkbook any more as I just look at the budget and compare it to the online balance for any particular timeframe.

Before the budget calander, I kept a weekly budget (usually forcasted 3 to 6 months in advance) for the prior 15 years.

and this is how you own a house well in advance of retirement.

Paid for one day before my 37th birthday....23 years and 4 months "early" on a 30 year mortgage. "Most extra" money (overtime, etc) not in the budget (I don't budget overtime in my weekly forcast as you can't rely on it) was sent to the mortgage.

Budget calendar for the win.

i thought about paying my house off early, then i thought why settle for 5.25% rate of return when the stock market is giving me double digits?

this week i've lost more $ than what i owe on my house... OUCH!

tahkfully i shorted the market yesterday, so i made some of the $ back today. yeah last 45min of trading!!!!!!!!!!!

 

[Engineer]

Originally posted by: JEDI

Originally posted by: Engineer

Originally posted by: ElFenix

Originally posted by: Engineer

Originally posted by: Ns1
And stick to it?

I use Budget Calander and keep my budget up to date for one year in advance on a week to week basis. I don't even balance my checkbook any more as I just look at the budget and compare it to the online balance for any particular timeframe.

Before the budget calander, I kept a weekly budget (usually forcasted 3 to 6 months in advance) for the prior 15 years.

and this is how you own a house well in advance of retirement.

Paid for one day before my 37th birthday....23 years and 4 months "early" on a 30 year mortgage. "Most extra" money (overtime, etc) not in the budget (I don't budget overtime in my weekly forcast as you can't rely on it) was sent to the mortgage.

Budget calendar for the win.

i thought about paying my house off early, then i thought why settle for 5.25% rate of return when the stock market is giving me double digits?

this week i've lost more $ than what i owe on my house... OUCH!

tahkfully i shorted the market yesterday, so i made some of the $ back today. yeah last 45min of trading!!!!!!!!!!!

I had a 7% rate on my mortgage. I don't feel so bad paying it off early, considering how my stock market investments have done. That's the one decision that I don't regret for one moment, especially now.

 

[Ronstang]

I have never needed one. I have always banked way more money than I spent as far back as I can remember. No reason for a budget. When I actually want to splurge on something it is never even a question if I have the money or not, just whether I actually really want it or not.

 

[HannibalX]

I do.

 

[Vehemence]

Horse semen is the only thing I budget, really.

Where's the poll option for "Budget and it sticks to me" ?

 

[CPA]

Originally posted by: Modelworks
I'm thinking someone out there has it in for me.
Any month I manage to save money something always goes wrong that makes me have to spend my savings

his name is Murphy.

 

[Slew Foot]

Originally posted by: Engineer

Originally posted by: ElFenix

Originally posted by: Engineer

Originally posted by: Ns1
And stick to it?

I use Budget Calander and keep my budget up to date for one year in advance on a week to week basis. I don't even balance my checkbook any more as I just look at the budget and compare it to the online balance for any particular timeframe.

Before the budget calander, I kept a weekly budget (usually forcasted 3 to 6 months in advance) for the prior 15 years.

and this is how you own a house well in advance of retirement.

Paid for one day before my 37th birthday....23 years and 4 months "early" on a 30 year mortgage. "Most extra" money (overtime, etc) not in the budget (I don't budget overtime in my weekly forcast as you can't rely on it) was sent to the mortgage.

Budget calendar for the win.

Jokes on you. If you stopped paying your mortgage the taxpayers would have sponsored a write down of your principal. Your just throwing you money away paying a mortgage.

 

[Martin]

No need to budget, money just comes out of the ATM whenever I need to buy something.

 

[Born2bwire]

Originally posted by: JLee
No budget. I don't spend frivolously, which helps.

I just look at what I take in and what I take out once in a while to keep track of where I stand. For the most part, I don't bother with a budget since I don't spend more than I take in.

 

[Engineer]

Originally posted by: Slew Foot

Originally posted by: Engineer

Originally posted by: ElFenix

Originally posted by: Engineer

Originally posted by: Ns1
And stick to it?

I use Budget Calander and keep my budget up to date for one year in advance on a week to week basis. I don't even balance my checkbook any more as I just look at the budget and compare it to the online balance for any particular timeframe.

Before the budget calander, I kept a weekly budget (usually forcasted 3 to 6 months in advance) for the prior 15 years.

and this is how you own a house well in advance of retirement.

Paid for one day before my 37th birthday....23 years and 4 months "early" on a 30 year mortgage. "Most extra" money (overtime, etc) not in the budget (I don't budget overtime in my weekly forcast as you can't rely on it) was sent to the mortgage.

Budget calendar for the win.

Jokes on you. If you stopped paying your mortgage the taxpayers would have sponsored a write down of your principal. Your just throwing you money away paying a mortgage.

3 years ago they wouldn't. I would have been on the streets by now, but I know what you mean. Personal responsibility is something that's preached, but not for the preacher...only the rest of us stupid shits.

 

[bignateyk]

The only way I can budget myself is to auto-pay and auto-transfer bills, ROTH, and my monthly savings goal on the first day of the month. That way I know everything left in my checking account is free spending. Anything left over there gets transferred to my stock budget.