Our little business is doing pretty well, by my calculations. I’ve gone through our monthly earnings and I have no idea why my sister always cries that we’re broke. When I factor in how much we SHOULD be spending on employee wages and monthly bills, we should still have a considerable amount left.
So, I came up with a budgeting plan, and working on the month by month basis rather than just using whatever is in the account.
But she won’t let me help with our finances. She says she’s already budgeting, but I suspect she’s been using extra shop money for her own benefit.
What can I do?
I’m tired of getting disconnect notices and our window washers won’t come because she doesn’t pay them. She’s irresponsible and even though I’m 8 years younger, I handle money better than she does. Out of the three of us, its only my sister that refuses to let me help.

I just don’t know what to do. I don’t want to see our business run into the ground because she doesn’t budget well.

Sit down with her and a book keeper, hash out what each of you is supposed to be overseeing, the company funds need to be 100% accountable.

If they’re not willing to do this, then either buy them out and do it alone or have them get out of the business because your business is not going to survive. Getting her out of the money side completely would need to be done.

Say you’re broke. You got in a few fights with your neighbor and it cost you a lot of money. Your other neighbor was in trouble and you loaned him a lot of money. You’re spent. You’re tapped out.

Now you’re in trouble…

You have to cut your family budget.

You’re at the point where you have to make a decision between cancelling your $300/mo gun membership (you already have 300 but you get 30 new guns this year if you stay a memeber!) & having clean water. What would you choose?

If I already have 300 guns, what the hell do I need any more for. I would cancel my gun membership you azzhat. But I never would have gotten in a fight with my neighbor and would never have loaned my other neighbor any money in the first place, so I would not be in that position. That’s people’s problem, they make bad life choices and want someone ELSE to pay for it. BTW, if I DID want 300 more guns, it’s not YOUR business or the Gubmit’s.

If you don’t mind, could you include your categories?

My budget is fairly detailed

My Fixed
- Mortgage & Property Tax
- Strata Fees
- Electricity
- Gas
- TV/Netflix
- Telephone/Cell Phone
- Internet
- House Insurance
- Car Payments
- Vehicle Insurance
- Preschool
- Life Insurance
- Pet Insurance
- Home Security
- Medicine

My Variable
- Allowances
- Gas – Vehicle
- Repairs/Maintenance (house/vehicle)
- Public Transit
- Groceries/Personal Care
- Entertainment
- Clothing
- Pets
- Gifts
- Vacation
- Recreational Activities
- Charity
- Emergency Fund
- Savings

Just think how much better the economy would be if health care premiums were half what they are for most family’s, and the extra money would go into the economy.

Because almost every American expects to have every possible test done. MRI for a twisted ankle. And then will threaten to sue if everything isn’t done, even if it isn’t necessary