Budgeting is necessary for life. We're all extremely busy, and who has time to be careful with your expenses? I know I don't carry around my budget everywhere I go even though I spend it all pretty quickly. Here's some great things you can do to help manage your money even when you are too busy.
1. Make Time for your budget. This is so important and helps set the whole system up. If you can't dedicate the time to it, then you will never be able to have the chance to make small and set goals. Try doing this Friday afternoons, since you probably aren't doing your homework, and it's before the weekend so you can be careful before you go shopping or out.
2. Use online banking. My life got so much easier when I started using banks that uses online banking. I use Bank of America and they are very tech savy. They have online banking and even mobile banking.
3. Use Mint.com. This is one of the best things you can do for yourself. I have multiple bank accounts and I hate having to go back and forth to figure out where my money. Mint.com is completely safe, works with online banking, and sends you text messages with alerts about your spending. I can go to one website to review my expenses and check how it is matching up with my budget.
4. If you have a smartphone, use a checkbook application. I have a palm centro, and I found this great freeware called checkbook (http://www.freewarepalm.com/financial/mycheckbook.shtml) where I can input the data into my phone.
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