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    #1

    Budget

    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 !!!!!!
    Tags: None
    #2
    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."

    Comment

      #3
      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

        #4
        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

          #5
          Originally posted by HHM View Post
          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.

          Other12-17%
          education, charity, medical, recreation, personal care, entertainment, taxes, pocket cash

          Savings, 5-10%.
          Which category would transportation costs be in?
          Filed Chapter 7 July 2010
          Attended 341 September 2010
          Discharged November 2010 Closed November 2010

          Comment

            #6
            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

              #7
              Originally posted by jade73 View Post
              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?
              We signed up for a free trial just to get our FICO credit score after the BK hit the report.

              Know Your FICO Scores and Credit Reports | myFICO
              https://www.myfico.com/Default.aspx
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              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

                #8
                Originally posted by HHM View Post
                A budget plan for what, exactly.

                In general, or for BK.
                For expenses just like you listed below. Thanks!

                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

                  #9
                  Originally posted by HHM View Post
                  Shelter: 20%
                  Rent/Mortgage, water, taxes, insurance, repairs and improvement
                  This is what makes me sick...My mortgage @ 20% is a payment of 509.00 Our mortgage payment is double that, wow, so depressing!
                  07-21-2009 filed Chapter 13
                  05-02-11 CONVERTED TO CHAPTER 7 :
                  09-07-11 DISCHARGED !!!!!!

                  Comment

                    #10
                    I tried using the 20% of income but I live in a dump LOL!

                    Comment

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