10 ways to make a budget, and keep it

Published: Thursday, Sept. 12 2013 11:42 p.m. MDT

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Learning to budget isn't easy, but living it once you have one can be even harder.

That's why the Deseret News has spoken to three self professed budgeting experts to help provide some tools and insights into not only creating a detailed budget, but applying one as well. The following are 10 unique but practical tips for living a realistic budget.
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Filo Doughboy
Bakersfield, CA

Good stuff. 4 outta 10 isn't bad...

But more rigorous saving and specifics are needed. We still adhere to the Financial Planning course we paid $100 for. Best investment ever!

Filo Doughboy
Bakersfield, CA

Meant to say Financial Peace University, Dave Ramsey. His motto is to take control of your money or it can take control (and ruin) your life:

1- Silly "saving" envelopes, saying no to kids and "extras", cutting up the credit cards: Best actions ever.

2- Lots of Biblical principles and encouragement.

3- Having a plan/budget makes you feel in control and functional. And it leaves you guilt-free when it comes time to splurge!

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