I don’t have a bank account so I don’t want to use one that makes me add my accounts and the others I’ve tried are just confusing. Are there any that are super simple? Any good budgeting tips websites? I need all the info I can get. My fiance and I are horrible at saving money.

yellow legal pad, pencil No. 2:

List your net income for a month (both your paychecks and your boyfriends)
Write this number down:

Underneath:

Start writing down all of your fixed bills:

Rent
Car Insurance
Loans
Credit Cards
Utility bill
phone(s)
cable
set amount ( $50) that goes into a savings account.

Add them up….

Now deduct that sum from your monthly combined net income:

What is left is divided by 4 (4 weeks in a month). The result is the money you can spend in a week on food and other stuff.

Done.

Simple, straightforward and all it takes is a pen and a piece of paper.

Now comes the hard part…. sticking to it.