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ham
Apprentice
Joined: 08 Jun 2004
Posts: 5
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 Posted: 04/15/08 - 08:34 Post subject: |
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| Hi. I have had some problems with debt and bad spending and finance managing in the past. I have now already reduced my monthly outgoings. Spending more wisely, and thinking about whether you really need something or not, makes a huge difference. But what is missing is a real budget. I feel I need to plan this budget if I am to stick to my new spending pattern. Any suggestions? |
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lorens
Apprentice
Joined: 29 Sep 2007
Posts: 4
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| Posted: 05/29/08 - 23:31 Post subject: |
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| Hi. Good on you for looking at yourself and your habits so seriously. Getting rid of your debts can be extremely difficult. The most important step, you have already taken! When the will to change exists, half the problem is already solved. Get yourself the Microsoft Money program on your computer. This helps you plan your spending in advance, and comes up with warnings if you dont stick to your budget. It certainly helps me! |
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