It’s my question for so long. Years.
When we’re making money, budgeting was out of mind out of sight. When we’re broke, I wanted to start budgeting. Well, I always wanted to start budgeting and always failed.
Now, what to budget when I hardly have an income? Hmmm…
When you make so little money, suddenly those bills are so painful. When you make so little money, those little money just went by and then what’s the point of budgeting?
I’ve tried envelopes cash system. I’ve tried no spend week. I’ve tried budgeting for tithing and savings. I’ve tried following Dave Ramsey baby steps. I’ve tried cutting here and there. I’ve tried many tries with very little money. And it’s haaaaaaaaaaaaaard!
I don’t know when my paycheck is coming in. I don’t know the amount of it when it’s eventually coming in. And when it comes, my bills are all overdue and my fridge is empty. So when it’s payday, it’s also paying day. On top of it, things happen and suddenly everything seems to be broken and needed to be fixed.
Some months I’m able to budget for tithing but it’ll end up with buying food. Some months I’m able to save but not for long coz something needs some extra money. Some months I don’t even have any money left to budget for food.
What’s the point of budgeting???
Well… I know I have very little money to work on and it’s a headache to work with. But with budgeting I am the boss. I tell my money where to go. I write down every bills I have to pay (again all overdue, well at least I paid), I pay the most urgent bills (the kids school tuition) and electricity. And I work with the leftovers, of course for food. My kids need to eat. Everything else comes later.
Later means I have to work my ass off to earn some extra money. Literally forcing my brain and body to work extra.
So, little money or big money, you need to budget. Write down everything. I use paper and excel on my phone. Try your best to post everything in the budget. Pay your priority bills and food, the minimum. Everything else, work harder. Do your part and God will provide.