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I run an in-home childcare and I get paid at a variety of times. I am trying to create a budget so I know when to pay the bills since the income varies so much. Is there a special budget worksheet anyone would recommend?
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I'm a Dave Ramsey fan, so I included a link to his forms, but basically I just write down all of my expense categories and go from there. (I'm kinda old fashioned and I actually keep a ledger with tabs for each expense category) When I first started budgeting I looked through all my reciepts from the last 2-3 months to get a good picture of how much things were actually costing me. I wrote down that amount in each category then I looked at when the income was scheduled to come in versus when the bills were scheduled to be due. I finally got a system worked out that I allot one families payment for certain things.
ck #1 pays for the gas in our cars
Ck # 2 pays for groceries
Ck #3 pays utitilites
and so on... -
I use an app to keep track of spending. Then I created a document in work to keep track of exactly what bills need to be paid and when. It also has a place to check off when you paid a bill for every month in the year. Helps keep everything organized.Comment
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