Where can I get a budget plan? I've downloaded a few plans online and they seem really complicated. I'm just looking for something easy to use.
-
07-21-2009 filed Chapter 13
05-02-11 CONVERTED TO CHAPTER 7
:
09-07-11 DISCHARGED !!!!!! -
We really like Mint Financial.Stopped Payings CC's: 8/14/2009 | Retained Attorney: 9/23/2009 | Filed CH 7: 12/7/2009 | 341 Meeting: 1/21/2010 - Complete | Discharged: 4/9/2010
"One person pretends to be rich, yet has nothing; another pretends to be poor, yet has great wealth." -
I'll try that Thank You!
I noticed that you had your credit score on your signature. Where did you obtain that and how much was it?07-21-2009 filed Chapter 13
05-02-11 CONVERTED TO CHAPTER 7:
09-07-11 DISCHARGED !!!!!!Comment
-
A budget plan for what, exactly.
In general, or for BK.
My thoughts
Shelter: 20%
Rent/Mortgage, water, taxes, insurance, repairs and improvement
Food: Depends on income: the lower the income, the higher the percentage, 38%-20%
Includes: groceries, eating out
Clothing: 10-15%
Includes: laundry, dry cleaning, repairs, and purchaes.
General Operating Expenses: 13-15%
Includes: Utilities, household supplies, furnishings, equipment, gardening, etc.
Other 12-17%
education, charity, medical, recreation, personal care, entertainment, taxes, pocket cash
Savings, 5-10%.Last edited by HHM; 01-10-2010, 05:47 PM.Comment
-
Which category would transportation costs be in?Originally posted by HHM View PostFiled Chapter 7 July 2010
Attended 341 September 2010
Discharged November 2010
Closed November 2010Comment
-
LOL, I knew I forgot something.
It goes under other.
I guess if I were to break it out, I would put it at 10%, and reduce from clothing and food since both those have more leeway.Comment
-
We signed up for a free trial just to get our FICO credit score after the BK hit the report.Originally posted by jade73 View Post
Stopped Payings CC's: 8/14/2009 | Retained Attorney: 9/23/2009 | Filed CH 7: 12/7/2009 | 341 Meeting: 1/21/2010 - Complete | Discharged: 4/9/2010
"One person pretends to be rich, yet has nothing; another pretends to be poor, yet has great wealth."Comment
-
For expenses just like you listed below. Thanks!Originally posted by HHM View Post
My thoughts
Shelter: 20%
Rent/Mortgage, water, taxes, insurance, repairs and improvement
Food: Depends on income: the lower the income, the higher the percentage, 38%-20%
Includes: groceries, eating out
Clothing: 10-15%
Includes: laundry, dry cleaning, repairs, and purchaes.
General Operating Expenses: 13-15%
Includes: Utilities, household supplies, furnishings, equipment, gardening, etc.
Other 12-17%
education, charity, medical, recreation, personal care, entertainment, taxes, pocket cash
Savings, 5-10%.07-21-2009 filed Chapter 13
05-02-11 CONVERTED TO CHAPTER 7:
09-07-11 DISCHARGED !!!!!!Comment
-
This is what makes me sick...My mortgage @ 20% is a payment of 509.00 Our mortgage payment is double that, wow, so depressing!Originally posted by HHM View Post07-21-2009 filed Chapter 13
05-02-11 CONVERTED TO CHAPTER 7:
09-07-11 DISCHARGED !!!!!!Comment
-
I tried using the 20% of income but I live in a dump LOL!Comment
Comment