Here’s an easy way to stay on track and maintain a realistic budget: use something I call “The 20% rule.”
In a nutshell, the 20% rule says that whatever the bottom-line number you come up with in terms of your monthly expenses is, add 20% to it in order to get your “true” monthly bills.
Do you constantly blow your budget month after month no matter how hard you try to stick to it? You've accounted for housing, utilities, groceries, dry cleaning, etc. But for some reason, you keep failing to meet your budget ...
In tough economic times, many people want to start budgeting – or better stick to a budget – but they find it hard to do so. Here’s an easy way to stay on track and maintain a realistic budget: use ...