I have a budget worksheet that outlines both needs and goals and manage against it. I have line items for bills as well as savings, other transfers and fun money. It’s helpful to treat every expense as importantly as paying a monthly utility bill.
Holly Wendt, Dayton, Minnesota
I give to God first, then list the bills to pay from most important to least important—for example, house payment, electricity, food and movie tickets.
Stephennie Lewis, Myrtle Beach, South Carolina
I prioritize my expenses as must-pay (i.e., mortgage, electricity), need (i.e., groceries), money into my Roth and then wants. Saving for the future is extremely important in my view, but having a little fun is always a bonus.
Nancy Eickman, Cincinnati, Ohio
Necessities or needs comes first. Putting extra money toward any debts. Consider donating to important causes. Lastly, is there something I want and can afford?
Wayne Gongaware, Lancaster, Pennsylvania
Family first, including what is needed to keep my family safe and secure. I started to invest early on for retirement so I am now secure with no financial worries, so I can give to my children, grandchildren and charities.
Tom Gano, Cherry Hill, New Jersey
I make sure bills are paid first and then try to find ways to earn money to reach the goal.
Wanda Gappa, Coleman, Wisconsin
Start budgeting with the necessities of life.
Wayne and Irene Sprick, Villa Ridge, Missouri
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