Those are great suggestions :)

What I do, is keep it simple. I remember Salivan saying that we can get too complicated. For us, I have an envelope that has groceries (it includes paper products, personal (hair, soap etc) & household cleaners) and then one for pets. Try it a couple of different ways to see what works best for you. Just tweak it to your personal taste.

Hey, i used the envelope system!

and it is great! you see exactly what you have to spend for each budget. there is no guess work, because you can physically see what money is left. once the money is gone, you are done with that part of the budget until the next paycheck. Since you are paid once a month, you budget should be easy to get started with guaranteed payday loans online, yes it is very overwhelming at first, but keep it up and it gets alot easier pretty quick. First thing you want to do is before spending a penny, is get all your bills together, and the budget form, or even just a plain piece of paper. the budget from might help you from forgetting something though. at the top, put in the ammount of your check, and just go down the list entering in all your household and car bills. subtracting as you go, so you have a running total of what is left. put in what you need for food, entertainment, and any other categories you need to fill in. the last thing being your unsecured debt. put in the min payment sof all those debts. and once all is filled in, what you have left you want to put in your bef., once bef is at $1000, then you move that money to your lowest debt on the sheet, and you work the debt snowball that way.

By the third or forth month, you will have a good feel of how it will go. every month may change, but it should be pretty close for you by this point, month to month.

One person suggested ringing up each category separately

and paying with cash from each envelope separately…groceries, personal products, pet items, etc. (Gosh I hope you’re never in line before me! :)

Someone suggested using a recipt spreadsheet of some type when they got home. Yet someone else said that was too much trouble.

Here’s a suggestion. Group your category items together on the conveyor belt. Say all the groceries first – then paper products – then personal products. Pay with cash from one envelope. When you get home you can move the cash from envelope to envelope. The receipt will have the products grouped together…just add each category up. If necessary ask the checkout person to ‘move the receipt up’ a bit before starting the next category.

Just an idea…I don’t use any of these ideas! LOL

I have groceries

paper products and pet stuff all together in my grocery envelope. I put all of those things on the check out thing and pay for that out of my grocery envelope. I put a little divider down and put down any clothing and she rings that up separately, and I pay for that out of my clothing envelope,then another divider and then the housing/household stuff etc. I figure it’s easier to let Walmart do the divvying up. Takes a few more minutes, but at least I am keeping track of where it’s all coming from, and I don’t have to mess with figuring it all out at home. I am NOT a number nerd, LOL…and just could NOT face sitting down and figuring that all out later.

Julie, congratulations on getting started on the budget!

I had the same Wal-Mart dilemma, and here is what helped me (disclaimer: I am the nerd in our house):

I have separate envelopes for groceries, household, personal/toiletries, and dog. At the register, I pay for everything out of the grocery envelope. When I get home, I use the receipt splitter spreadsheet to figure out how to reimburse the other envelopes (I am pretty sure that spreadsheet is in the files).

I check out the deals at www.moneysavingmom.com, www.couponmom.com, and www.hotcouponworld.com before I go shopping to get the best deals on everything by combining coupons and sales. I am getting most of our toiletries, OTC meds, and household products for literally pennies on the dollar using the CVS Extra Care program – it is well worth trying.

This is what has worked for me – hope it’s helpful for you too. Hang in there, and good luck!

Hey, i used the envelope system!

and it is great! you see exactly what you have to spend for each budget. there is no guess work, because you can physically see what money is left. once the money is gone, you are done with that part of the budget until the next paycheck.

since you are paid once a month, you budget should be easy to get started with. yes, it is very overwhelming at first, but keep it up and it gets alot easier pretty quick.

first thing you want to do is before spending a penny, is get all your bills together, and the budget form, or even just a plain piece of paper. the budget from might help you from forgetting something though. at the top, put in the ammount of your check, and just go down the list entering in all your household and car bills. subtracting as you go, so you have a running total of what is left. put in what you need for food, entertainment, and any other categories you need to fill in. the last thing being your unsecured debt. put in the min payment sof all those debts. and once all is filled in, what you have left you want to put in your bef., once bef is at $1000, then you move that money to your lowest debt on the sheet, and you work the debt snowball that way.

by the third or forth month, you will have a good feel of how it will go. every month may change, but it should be pretty close for you by this point, month to month.