Search for your question. It's very simple,do it at your table, write down your earnings then your expense for the month, each item, lights, food, house payment & etc, sub that from your earnings, make a grocer list before you shop,get just what you can get by on. Don't do as most others do, spend more than you make. It's o k to buy a home & pay by the month, pay it off as soon as you can,that will save lot of money on interest. I'm a retiree, we saved every penny until we retired, proud of it, good luck, you can make it.
I KEPT A DAILY LOG OF EVERY PENNY WE SPENT. YOU WOULD BE SURPRISED HOW MUCH YOU WASTE! REVIEW IT ONCE A WEEK AND SEE WHERE YOU CAN CUT BACK.
I have found many good ideas thru this free enewsletter. It is Budget Stretcher. He does offer books for pay, but has many free website links for budgeting as well. I have included a hyperlink to the article that I receive. I hope it works! If not, go to http://www.homemoneyhelp.com or tr2000.midwest.net Good luck, and congrats on a new home!:)
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