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Money and Finances
Reply to "Financially irresponsible and don't know how to change"
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[quote=Anonymous]I'm not sure what your proposed budget is based on, OP, but for it to be realistic, you really need to look at what your budget actually is right now, and for the past 3-4 months. Then you will be in a position to identify areas you can cut, and to figure out how deeply you can cut. For the first couple of months on your new budget, you should really go completely cash only as much as you can. Get a bunch of envelopes, and write "Groceries," "Restaurants," "Entertainment," etc., and pull out enough cash for the month for each category. When that envelope is empty, you're done with that category for the month. That will help you really see how much you're spending, and will help you internalize "wants" vs. "needs." It's like dieting -- it's more mental than any way else. [/quote]
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