i need your help! for days, weeks, months, hell, even years, i've been wanting to create a budget for our family. i've scoured the 'net to find help in doing this and though i have probably found exactly what i need more than once, i still can't bring myself to actually create the budget. why? i have no idea.
my friends, the days of procrastination are over for me. i have to make a budget because there are some big changes coming our way. matt is going to start shift work soon, which at first glance does not seem appealing, but for us i hope it will be better. the perks: more money per check, and a little bit less money for daycare as he will have a day or two off during the week. another change is that my job will be going from 40 hours/week to 32 hours/week. that's right folks, i get one day at home, but i also will lose over $7k a year in salary. that's not even including the cut i suffer in vacation/sick accruals, my retirement plan, etc. but, it is what it is. i think we'll be just fine, but, now more than ever, i want to make a budget so we don't get into a nasty mess with our money.
this is where you come in. how does your family take care of the money situation? do you have a budget? do you just wing it? do you use software that helps you keep it all in order? or possibly a tool on the web? please, share, share, share!!!
if you don't have a budget, maybe you can check back here and see what people offer up. i'll keep you posted on what i do, and maybe that will help hold me accountable for actually doing this!