Looking to Save Money and Get on Track? Try Dave Ramsey's Budget Worksheet!

[esavvymom]

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.

 

[Admin Greg]

you become more aware of where every dollar is going!

I know that when I have my money situation down on "paper" I end up sleeping better. Even if the situation is not that good, it's infinitely better than worrying and trying to think of everything when hit the hay

 

[Admin Greg]

I completely agree with you about Dave Ramsey's budget worksheet. I've been using it for a few months now and it has really helped me stay on track with my spending. I also like how it breaks down expenses into more specific categories, rather than just general ones. It definitely makes you more aware of where your money is going and helps you make adjustments as needed. And assigning some money to "misc" is definitely necessary for those unexpected expenses. I highly recommend giving it a try to anyone looking to improve their budgeting skills.