Let me start with a disclaimer, I’m no money expert. But I have found (thank you, Cheryl) a budgeting computer program I like. It’s called YNAB –You Need a Budget.
Basically, it helps you learn to live off the money you made last month and not the money you are earning in the current month. When the income arrives you budget it and spend it over the next month. So, hopefully, you don’t overspend or run out of money. Makes total sense…and it is easy to use. Even I can do it.
Anyway, here is a link to it if you want to check it out.
PS – This is not an advertisement, however if anyone from YNAB wants to contribute to my kids’ college funds, I certainly wouldn’t turn you down!
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