So I've never kept a budget or even sat down and tried to think about my income and my expenditures in any kind of focused way. It hasn't really been an issue -- I've usually been able to stay debt-free and living within my means.
Lately, though, it's been harder. I'm thinking now is the time to figure out where I stand and maybe develop some personal policies about what I can spend and what I really can't.
But where to start?
I'm thinking maybe a book would be a good idea. Do any of you have any recommendations for books, websites, philosophies; or any personal tips to share for managing income sanely and without stressing out?
Any and all suggestions welcome -- I'm really kind of in the dark, here.
Lately, though, it's been harder. I'm thinking now is the time to figure out where I stand and maybe develop some personal policies about what I can spend and what I really can't.
But where to start?
I'm thinking maybe a book would be a good idea. Do any of you have any recommendations for books, websites, philosophies; or any personal tips to share for managing income sanely and without stressing out?
Any and all suggestions welcome -- I'm really kind of in the dark, here.