For years I let the wife manage our budget and forever it's been 'working' but lately I can't help but think it could be managed better. We are constantly in the hole, and the first couple hundred of every paycheck is used to get us out of the red. Whatever... this has become a very complacent cycle which I think is unhealthy and needs to be changed.
I'm stepping up and will be taking over our budget soon but I definitely can't do it without the use of software (I'm a geek I admit). The scariest step for me is making the first step.
How do I start with a negative balance!?!
Spending is already cut waaaay back and we're constantly looking for other ways to cut. Hell, I even called Comcast and threatened to cancel our internet so they cut me a 6 month deal.
PS. Yes... I've watched the tutorials, numerous times.