Ms. Frugal

I hate sitting down to create a budget.  I’d much rather just stick my head in the sand and pretend that I don’t need a plan.  As easy as this is in the short term, it’s not a good idea in the long run.  Budgeting can really save you a lot of stress.  It’s a really good idea to sit down with your monthly salary and expenses and put everything down on paper.  Be realistic about the amount you spend on lunches, dates, etc.  Also, don’t forget purchases such a medications, cleaning supplies, emergency savings, etc.  I’m willing to bet that you’ll find places where you can cut back a little and rearrange to areas where you wish you had more to spend.  Try it out, and remember it can always be adjusted as needed.  Good luck!