Budgeting

do you see the three sentences that end with question marks?

Read your post. Now I know why Dave Ramsey tells people to use an envelope system. Seriously, I think his method might just work for you. Try reading Total Money Makeover with your wife.

(no message)

You just have to have disposable Cash included in your budgeting. Some things, like what you listed, are just too random to budget for in my opinion.

I like to keep a minimum of $1000 per month of disposable income in my set budget so that I can save quickly when available and cover largish expenses readily.

quote:

---

Wow. You come here looking for help, post some incoherent rambling, I ask you to be more specific, and you respond like a jackass to someone trying to help you?

I started to try to get better clarification from you, but thought better of it. Have fun being a jackass who doesn't know how to pay bills (I think that is what you are trying to ask, still not sure.)

---

by some miracle, 6 other people managed to comprehend my incoherent rambling and give me good answers and you are calling me the jackass?

quote:

---

Read your post. Now I know why Dave Ramsey tells people to use an envelope system. Seriously, I think his method might just work for you. Try reading Total Money Makeover with your wife.

---

I know that Dave Ramsey is hit or miss by people here.
But to the OP i would recommend seeing if your church or a local church (i say church cause thats where we did it) but somewhere that has the Financial Peace University class.

I know people will argue late stages of how to build your wealth but the early stages of learning to budget. Telling your money where to go and getting debt free is pretty great for the average american.

My wife and i did it 5 years ago now. We had good income but money was just gone each month. Did FPU learned to sit down and have a serious discussion on money. Got us both in the mindset of putting that first.

Now 5 years later went from about 6 sources of debt to 2. Have an emergency fund fully funded. Have a vacation fund that fills up quicker than it prolly should honestly and we pay everything in cash and know exactly what we have to spend and not. I can go the entire month without checking my bank account cause i budgeted earlier and already know where my money is being spent.

We are now transitioning to using a CC for all of our utilities and literally anything else we buy so that we can start earning rewards. But it still remains the same. Toughest part is making sure that you and your spouse are on the same page of goals.