[Ima saver]

Well, I got married for the first time in 1965. I was young and had never lived on my own. I made up a budget on a piece of paper, based on how much I needed to put aside each week for rent, car payment, utilities, food, and misc. (Oh and savings first of course)
I just got a bunch of envelopes, divided up my money on payday and put the cash in the envelopes.
The first year I was married, we made $5000 for both of us, working full time.
I have never made more than minimum wage and my husband made low pay for most of the years we have been married.
I have always used the envelope method and to this day I still do. Of course, now I have a lot more envelopes for more catagories.

My budget catagories today are: savings, land paym. , car paym. car savings acct. (when I paid off the last vehicle, icontinue to save the payments) elev., telephone, water, garb., cable, blue cross, groceries, our allowances (includes gas), visa, prop tax, car and house insurances, misc., medication, heat, est. inc. tax, state inc. tax, term insur., medical account and christmas. That elev, should not mean elevator, but electric, sorry!!

I do not have a house payment because I paid my house off 30 years ago.