Starting over beats the alternative
As a newlywed, one of the first things I remember tackling was budgeting. Not sure where to start, I voiced that to our good friend Rhonda.
She and her husband had been married two years by then and she showed me the system their parents had taught them: a ledger book and envelopes. In the book you write your list of monthly expenses, she said. You label the envelopes — electric, phone, rent, etc. Each time you get paid, you put money in the envelopes so that by the end of the month, you have enough for the bills. Read more »
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Award-winning newspaper features editor and lifestyle columnist Kathy Gibbons writes columns and blogs about doing whatever it takes to get a job and pay the bills.