Ok i raised this topic, because i have had one on and off,but it has been about three years since i bothered,to be honest i found it stressful and time consuming,some of you are probably thinking how on earth does one manage without a budget, but it can be done.

However i have decided to implement one again and see how we are doing, i know we are a tad in the over spend at the moment due to expenditures we were not expecting, so i think it is time i pulled the reigns in again.

It is looking a little on the bleak side, but i find it a challenge to try and stick to it.

So just wondering how you set up your budget,who does the budget, do you stick to it,and how you find it all????also if you have any tips to pass on about saving money, then please add them,or sticking to the budget, one we have is not to own any credit cards, except for one store card, but only use it when we are very strapped for cash that month and need something urgently,but always pay the full sum the next month, anyhow looking forward to reading your responses. cheers.