To get started, track your expenses for a couple of months. Then you should be able to start filling in your estimated debits and deposits for the next few months. Once you get it rolling for a while, you will be able to see your budget for the upcoming months reflected in the estimated totals. You can even notice year-to-year trends, like bonuses, tax bills, etc. that come up routinely and it will help you budget accordingly.
Michelle SingletaryThe sad thing is many people learn how to manage money after they've made a lot of financial mistakes, some that take decades to fix.
Michelle SingletaryI use my financial values to set my limitations. I have three children I want to put through college debt free. So that means I can't spend wildly or with disregard.
Michelle SingletaryThat's is life. You move and change according to things that happen to you and things that you make happen because of poor choices.
Michelle SingletaryI'm driving my old car until I'm on a first name basis with the low tow truck drivers!
Michelle Singletary