I try real hard to Budget but it doesnt work... Why?

Budgets do not work unless they are built on true and accurate expenses. If you work out your budget based on guess work and what you "think" you spend then you will only look at the top 7 or so items... Rent, Car payment, Telephone, Cable etc. These expenses are what I call "in your face" because they reoccure month after month. What folks dont do is look at the money spent on ... Soda, Fast food, kids, entertainment, booze and smokes, laundry, lottery, ALL THE LITTLE THINGS AND ALL THE OTHER THINGS. Sit down and keep reciepts for a 30 day period on every thing you spend money on. Put them in categories.. add em up. Then look. Budget your next month based on a hard look at where your money is going then see if you can relocate some elsewhere at a different time if need be... The map work is right there. Contact me again for a more specific approacj.

Dave