We can find great deals and coupon until the cows come home (yep I'm in the Mid-West) but it won't serve any purpose unless we have a budget. You can budget any period of time you like, say 1 year towards a winter vacation or week to week. Because my husband and I are both college professors, I have several budgets that I use.1. The Big Picture Budget: This is our House Saving budget set out for 3 years.
2. The Mid-Size Budget: This is our semester to semester budget since our income changes pretty dramatically through out the course of the year.
3. Monthly Budget: Month to Month break down of every debt and every credit.
It's really just one overall budget, but I tweek it at the beginning of each month and each semester.
Here is a great piece I found at coupongeek.net that did a great job of walking you through getting a budget started and different ways to put one together. I am still crunching my January and Spring Semester numbers to make sure they fit into our 3 year plan, but hope to be done within the next day or so.
http://www.coupongeek.net/2012/01/time-to-plan-creating-a-2012-budget.html
There are lots of other great blogs with good advice on budgets, I particularly like this one because it is written by a mother of 2 young children who stays at home with them.
Good luck with your budget!!
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