How do you set up a budget?
This will sound like a dumb question to some, but just think of me as a very late bloomer. I've never had to use any kind of a budget. It's not that I've had unlimited funds; it's just that between my inherent thrift and my husband's ability to cover the major bills, I was able to go on from year to year without overspending or keeping track of my expenditures.
Now my situation has changed. My husband is in a nursing home, and I'll soon be on a limited income. I don't want any unpleasant surprises when the heating oil tank needs filling or the school tax bill comes in. How do I devise a system that lets me anticipate expenses and take care of everything else?
Thanks for your help,