Have you ever missed out calculating your budget?

Well that happens but at least you are made aware what has happened and what you can do to correct this. This is a good habit that you budget and monitor what you spend with your money so you wont be wondering what happened and where it went without any budget at your hands. Let this be a lesson to you so you can avoid the same situations. I do not think you need to get frustrated because what was done was done and nothing you can do about it anymore. So for now do what you need to sacrifice and get over it past is past.

Hi Chiy ! Usually i experienced this during Holiday Season only. When we used to eat and buy the food that we wanted because it was Christmas and we need to give gifts to everybody. I don't do budgeting in this season for i believed this is the time for extravagance. Following month would be my hard month , many bills to settle but its okay ,i'll go back to my principle , "know your needs ands limit wants".

Yeah we have had this happen before. It is frustrating to miscalculate things. Like you mentioned then we have to take out money from another bill and try to pay it later. It does though make us feel behind for a while until we are able to catch up and get back on schedule.

Yeah, usually I budget and over budget sometimes, especially when I bought some unexpected ones. And recently I’m not doing that anymore, though I think that I better to budget again soon, because now I’m wondering where my money is going. It spent really fast….

It also happened to me..I even put a divider in my wallet for the bills and other expenses, then the money for my savings but i often break it he he! I deposited the money for my saving but sometimes I find myself withdrawing it again because my budget for a week has been short cut... I hope mylot will me he pay for my extra expenses he he ;=)

My husband and i just started budgeting the money coming in. We went to MINT.COM. This allowed us to add our bank accounts and credit cards to it so that we could see where all our moeny is going. Not using cash and just using our debit/credit cards to keep track of our spending. The great thing about Mint is that you can create your own budget and name your own category if they dont have what you what. We also went to YNAB. This is a free trial thats just 20 bucks for a one time fee. Here they teach you that EVERY DOLLAR YOU MAKE GETS A JOB!! So when you get payed, all yout money gets accounted for till your left with a 0 balance. If you want to go out to eat, then monthly you add money to that budget, shopping, bills, gas, etc. it helps. SOmetimes we get payed, pay our bills, then look our account and see a remaining balance. THen we think that we have enough to get some shoes or out to eat. This is where our money goes. UNLESS you stick to your plan.... Hope this helps... We are teaching our kids to budget their allowance as well (getting them prepared for the real world... lol -Nikki-

I am very good when it comes to budgeting (thank God!) I've never really miss out when it comes to calculating my budget. Even if there are so emergency expenses that come my way, I always do have some money kept for that purpose. I hate seeing my finances messing up so I make it a point to not spent beyond my means. This is the reason why I don't have credit card. It is a tool that invites people to spend more than their earnings. So never did I own a credit card. I've rejected all credit cards offer that comes my way. Instead, I am using debit card so all my expenses are just debited from my bank account. So I live without any single debt. My online earnings? They go straight to my bank for additional savings.

I have at times burst my budget and would have to sacrifice certain things till I have balanced it. As for your credit card, one alternative is to pay the minimum sum first and come next payment, make sure pay it in full. While you might have to incur some interest, make this as a lesson to ensure that you keep to the budget.

That is one thing that I dread. So, I really try to make sure that I am always within my budget coz I don't want to be asking either from my mom or in laws help when it comes to paying the bills. Mylot earnings is a big help really.

Hi yes sometime I miss budget.so This is what I do cut down on Food walk to work this Way all bills get paid. Then following paycheck Im back on track.

I just went over how I did this month and so far I'm happy to see that I'm right on the budget. So now I can go into the next month without having to carry over some over spending and hopefully I can also always be right on the budget again. I hated myself one time when I missed a credit card payment by a day and had some substantial amount of late fees added to my account.

Hi, I also have this experience. Sometimes we have to make some unexpected expenses and they are unavoidable and our expenses go beyond our budget. I am not very much dependent on on line earnings. I work only on mylot. I spend money carefully and save it which will be helpful in dealing with unexpected expenses.

My wife will take care about budget in my home. She is good in preparing budget, so we never encounter such kind of problems. Always she allocate some excess money for unexpected expenses.

I can't blame you that missing that chiyosan. I think everyone has its own experience on it, and so am i. I am my own boss when it comes to finances and i have a full control of everybill that come and go. sometimes it is the too much analization of some things that we are not aware of, and the reason why we are missing something, or miscalculating our budget for a span of time. As much as we make schedules and plans our finances, some events would not allow us to anticipate to happen.

I usually do this over the weekend but I'm so busy these days that I would jot all things into scraps of paper and turn them into a single document if I have time. I hope I could do it soon because I'm wondering where the heck the money in my wallet is going. Have to do that(that's personal budget) and the household budget.