Budgeting...Do I have too?

Budgeting can be really tough to conquer. Many people struggle with making a budget that fits there needs. I have looked at a ton of online budgeting pages but have found nothing to really help me see what I am spending and what is coming in.

I decided to go ahead and make my own budget sheet on excel which to be honest I feel is the best way to write down everything coming in and going out. You can easily make a sheet to fit your budget needs so its easy to read for you. 

I started by writing down Josh and my own expenses and looked at it all added up. On my budget billing I put which persons bill it was and the due date along with a line to fill in once the item was paid for and the conformation number if it applied.

I am not saying this is the budget sheet for you but I am saying that sometimes there is no budget sheet that fits your life perfectly so go ahead and make one! This only shoe expenses however I have not been late on one payment since starting this. It just kind of lays out what is due and when. I also like this because once something is paid I highlight it in a different color to show it has been paid. This helps me not stress entirely to much like I normally would about such things.

I also printed these off till the end of the year and any bill I get or conformation page I get I print off and make sure to put it the binder behind the month that was paid last. That way I can see everything and I can also prove that I paid it. 

Budgeting is so very important that I can't stress enough that if your not budgeting you need to be! It is so important to budget for so many reasons. I have found my top reason being that its a huge stress relief! Secondly one late payment can affect everything you do including going to buy a house. I found this out the hard way when I was late on maybe two payments prior and it made it very hard to get the loan. I did get the loan but it was tougher than it should have been overall. Paying your bills on time can be easy or hard.... its your choice.