Do you have a budget??

[slcjward]

Do you have a budget? Do you stick with it? We all hate making a budget and sticking with it is hard. I have learned that much. If you are having a problem with budgeting post it here and we can help you trim the fat and give you extra money that you can apply towards your debt.

[Lisa Baldwin]

I like the envelope idea for my budget... but I need to figure out how to modify it for when you can't use cash... my bank is so far away and I can't mail cash out to the elec. co.

Anyone have any suggestions?