Pay yourself First! This is how I budget. I get my social security and a pension. To make your life easier, go to your checking account for the last 3 months and figure out what you spend on rent gas, food, medical and all your bills etc. Subtract that amount from your income, what is left over give yourself 10% and put 10% into savings.

Each month I know exactly what I bring in, at the beginning of the next month, I subtract that amount and if anything is left over from the previous month I put that into my savings.

I have one credit card that I use and pay it off monthly so I don't pay interest. Using this method I was able to pay off my house 7 year faster!!! So now I'm rolling in money..ha ha...but was able to pay for my oil in cash, thus earning a discount...that was an ouch 862.--, next will be house taxes and I'm saving for that come January.

If you are on medicad, get food stamps or any other state benefit, you qualify for food stamps, eletric or oil cost help, and internet savings...I only just learned about the internet and just got off the phone..yes Long Conversation...but now instead of paying 59.99 per month I'll be paying 29.99 a month! You are also a student so there may be other things you can apply for!

The last, my Grammy Molly said and didn't really quite live by, but I do, One On, One In The Wash, One In The Draw...meaning you don't need 7 pairs of jeans....and what I say to my son, because he has Huge Issues with impulse control and spending money ""Do You Want or Do You Need"....

Hope you are having a wonderful day :) Your enthusiasm for life has put a smile on my face...thank you! <3

i have a deal with my friends that if i say something about doing something stupid they remind me of the time i asked them to monitor me. or they just simply say that this is stupid.

My big problem was overspending as well
I am careful now about what I can spend
What I owe etc
I haven't gone spending crazy for a long time
I find being careful about this impulsiveness gives me more peace of mind and it's so worth it...xo

Might be a sign of hypomania? I keep mine in check with extra meds.

Impulsiveness usually has taken care of itself. It’s natural to react but it takes greater discipline to develop patience. Patience is key to overcome impulsivity. Often times when you don’t have the means you just don’t have it and one must first accept there is no means. Therefore one is afforded to behave accordingly to maximize one’s blessings.