Money and budgets, who me?

Life sucks! It seems no matter what you do, you never get ahead. Taxes go up, bills go up but yet that thing called a pay check never seems to go up. Sure, if you’re lucky you bust your butt all year long for a little 1-3% raise. This usually equals out to be a few pennies. Okay not really but close. When you make pennies, the raise can only be pennies though right?

I really need to set up a budget. I have a few forms I use, but I really need a concrete spending plan. This winter is going to be so hard with all the increases in utilities, so now is the time to get started on that. I just wish I had the money to sit down with a financial planner and have them help me. It always seems more doable when someone is helping. No making a budget isn’t so hard; it’s the sticking to it that is. So Since I don’t have the money to get help, looks like I have to do it all alone. The biggest step is realizing you need a plan though right?

So I have started! Yep reading a book or two, got some work sheets together and hopefully by 2010 I’ll have a plan!! Just kidding, hopefully I’ll be ready for September. Just in time for the seasons to change and the weather to get cooler. Just in time for the HUGE gas and electric bills. Anyone make and stick to a budget? How did you do it??