Talk:Personal budget

message: This might be the worst Wikipedia article I've ever read, and that's saying a lot. I'm not experienced enough to edit this whole page, but hopefully some heroic veteran can save it. I don't think it would be a bad idea to delete the whole thing altogether. Iskeptic 20:53, 18 February 2006 (UTC)
replies: text: Please do. I have started to write on the similar article in Swedish. So far it's short, mainly about how to organise your budget and tools that can help. Hawklord 20:49, 6 June 2006 (UTC)

text: I'll take my stabs at some of the more outrageous paragraphs... it should sound less like WikiHow though. —Rob (talk) 20:05, 26 July 2006 (UTC)
replies: text:  It reads less like wikihow and more like it's copied from a textbook or webpage somewhere.  — Preceding unsigned comment added by 207.108.209.183 (talk) 22:18, 22 March 2013 (UTC)
thread_title:  Article improvement 

message: One of the things about the article even now is that a lot of it smacks of original research. The more references to back up what's being said in this article (and with as many personal budgeting methods as there are in existence, this is hard)... the better. —Rob (talk) 16:29, 27 July 2006 (UTC)
replies: text: Taxes are certainly an unavoidable expense. Insurance is optional. --SueHay 02:18, 31 March 2007 (UTC)
thread_title:  Original research 

message: It's not particularly difficult. It's not all that complex. It really should be merged into Personal budget. Will merge in 7 days (2006-09-29). —Rob (talk) 18:32, 22 September 2006 (UTC)
replies: text: I think Mvelopes is based on old-fashioned envelope budgeting. I don't know where that info on envelope budgeting came from, but it describes the process well. I'll see if I can find a reference for that.  There's no harm in mentioning that online programs are available for personal budgeting, but if you think the wording is too suggestive of any one program, change it. --SueHay 22:26, 29 March 2007 (UTC)
thread_title:  [[Envelope budgeting]]... 

message: Just completed a rework of the first paragraph and some others to a lesser extent. There is sooo much work caused by the vagueness of the implied "research". The topic is certainly worthy of additions, if anything at least one paragraph at at time. Go2self 03:44, 26 March 2007 (UTC)
thread_title:  Overall 

message: Might I recommend the addition of 
http://pearbudget.com/ and/or http://ideaharbor.org/peachbudget/ to either the Tools section or the References section as examples of spreadsheet-based personal budget templates? Currently the article only mentions http://budget-master.com/, a web-based solution. Full disclosure requires that I confess to maintaining one of the two recommended sites, which is why I don't want to make the addition myself, but they really are both good tools worthy of your consideration. Raggmopp614 14:19, 28 March 2007 (UTC)
thread_title:  Tools 

message: I looked into the basis for the worldwide view tag on this article. I was hoping to remove the tag. But the tag is completely justified right now. A personal budget is an expenditure plan based on income or the consumption of savings. There is no reason to dedicate more than a single section to technological tools for budgeting, especially when those tools assume personal debt, use of credit cards, and Internet access, none of which are worldwide. I suggest the article concentrate on basic personal money management -- as in what some people were lucky enough to learn when they were children and had an allowance -- THEN discuss more complex features of money management such as going into debt, paying off debt, and investing in an IRA (very American). 
I know this won't happen overnight, but it's something to think about as the article develops.  --SueHay 00:47, 30 March 2007 (UTC)
thread_title: Worldwide view

message: Having been told that I cannot merely add content with links, I recommend the addition of another common style of budgeting, which is maintaining expenses on a calendar and figuring out your new account balance on the top of each day.  This is analogous to a banks transaction history, except for each entry on a day, you subtract (for expenses) or add (for income) values to your spending categories.  This is a variation of the envelope method (or using budgeting categories) that many people are using.  There is some software that automates this such as the web site http://calendarbudget.com  (which I created) or the freeware application "Budget Calendar" (http://www.tucows.com/preview/395759).
Calendarbudget 16:02, 16 November 2007 (UTC)
thread_title: Calendar Style

message: Can someone find a source on the suggestion to budget 25%? I can't find any, but I do find a source claiming that most households spend about 30-40% on housing, which sounds more accurate:
:
Any objection to editing the section in question accordingly? -- RoninBK  T C   12:42, 28 February 2008 (UTC)
replies: text: I know for sure that Dave Ramsey has said to find something that's 25% of your income, on a 15-year mortgage. Any statement regarding how much % of income to dedicate to a budget would have to be qualified, of course, but for this particular bit I'm pretty sure his book "Total Money Makeover" can be cited. —Rob (talk) 20:27, 28 February 2008 (UTC)
thread_title:  25% section 

message: Could interested editors please add sources to the article and engage in cleaning it up. It has vast swathes of unsourced material. I will reduce it down to a stub soon unless proper references are added to support the text. Thanks, Railfan23 (talk) 16:57, 9 August 2019 (UTC)
thread_title:  References needed