This is my fortnightly budget. Not that as my first pay was for 2 and a half weeks of work, I still don't know precisely what I will get after tax each fortnight. I'm also sacrificing membership fees at the university gym, which will come out of my pre-tax salary.
But basically, my budget each fortnight will be:
Now comes the hard part. Sticking to it!
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If you haven't already done so, I recommend that you check out Dave Ramsey's website (www.daveramsey.com) and read about his thoughts on cash flow planning.
I caution you about letting your budget restrict you and I recommend that you use is as a tool to tell you money what to do.
Dave says to spend your paycheck on paper before you get it.
If you are interested I can send you the cash flow planning spreadsheet that I received in my Finacial Peace University class. (email me at theyellowpiggy@gmail.com)
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