Budgets

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The easiest thing about a budget is writing it down! LOL. Good luck!
I agree.

For me the hardest part is remembering to look at it :)
Years ago when I was earning "real" money (about $100 a week) and it came in little paypackets I would divide it up into envelopes and write the purpose on each envelope. Work mates laughed at me but I never had to borrow and always seemed to have things under control. When we went to direct deposit things went haywire! LOL.
It does you're right, when I had a pay packet it was so much easier to do.
am I dumb....but what is a pay packet?
A pay packet was just that an envelope with your pay in it. :)

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