Budgetting works but not against interest rates of credit card companies or loan companies that decide to garnish your accounts and clean you out.

Always have budgeted, too bad the government doesn't do the same

I had to budget because I am paying $408.00 a month for Credit Cards and my total income is $1006.00 per month.

I've made payment arrangments with all my creditors. I'll be broke for the next 5 years or so, but it's the only way to get out of this mess and take responsibility for it. The payments are directly debited from my bank account, so no worrying about making a late payment at least. I HATE being broke! I'll get used to it, I suppose.

I do what I can

does't work because i have a very expensive man in my life who wants everything he sees

I am a major budgeter

Frankly, cut most in food, heat, gas (hardly go anyplace anymore); haven't adopted a canine since my other one died suddenly; excercising practicality, but not enjoying it much.

its helping to figure out what to spend each week.

I seem to be able to budget well, but still end up with only so much money! Why is the world so expensive...