Budgies Burritos? A great, inexpensive vegetarian burrito joint at Main and Broadway in Vancouver, BC.
Step #1 to starting this process was to set up my budget. My friend Sarah sent me a great link to http://getfinanciallynaked.com/get-financially-naked after a lengthy conversation one night about being financially stupid (me, not her).
I downloaded the budget template and started from there (you can find this budget template on the righthand side of the screen - if you go to the link you can download this for yourself)!
I figured that my best first step was to give myself a taste of reality. Instead of starting off with how much I want to spend each month on each given thing, I decided to use that column to guess how much money I spend on everything each month.
From there I went to my online banking and downloaded the last 3 months statements, printed them off and with highlighter in hand went through and tallied up how much money I had spent at the grocery store, liquor store, gas etc. The only problem here were the withdrawals I made and having no idea where that money went. I am guessing that that money should be calculated as part of the "entertainment" section.
This was a real eye opener. An example - I guessed that I spend $60/month on groceries. After I added up the little things I got here and there, going to the grocery store every day, I was almost triple that amount.
Lesson of the day: shop for the week/pay period, not for the day.
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