Kow where EVERY dollar goes. The best budget worksheet I have found is in Dave Ramsey's material. You can find it in most of his books, so dont need the course. "Total Money Makeover" is one we started with and got hooked.
But his budget has more REALISTIC categories and subcategories. Too many others just have general categories.
If you know where every dollar is going (and yes, you can assign some to "misc") then you become more aware of where every dollar is going! It makes you think about your spending and you can trim the fat as needed.
But his budget has more REALISTIC categories and subcategories. Too many others just have general categories.
If you know where every dollar is going (and yes, you can assign some to "misc") then you become more aware of where every dollar is going! It makes you think about your spending and you can trim the fat as needed.