My husband started his job and I was finally able to make a real budget. It took me two hours to get it just right and even then I was changing it up until the first of September. If you click here the link will take you to Dave's free budget forms. We use the monthly cash flow plan but there are a few different types of budget forms to choose from.
I'm not very great with money, in fact I love to spend money but for some reason I love organizing and getting all the budget items together so that helps me stay on track. I didn't use two hours and then some of my day to not stick to a budget! One of the big things that is going to help me stick to our budget is carrying cash. We used to give ourselves some money for the month but never in cash so I would ultimately go over if I was using my debit card. Not this time! I take out cash for my "fun" money, the kids clothes for the month, our clothes for the month, toiletries, restaurants, etc. The forms list what you should take cash our for and what you should use your card for. I think this is going to help me so much because once the cash is gone it's gone. I can't overspend. It will be a change but I'm ready to do it!
I'm excited to see how this works out for us. We want to buy our own house at some point but we want to make sure we have the money to get some wish list items and other items we may need when it comes time for a house. I can't say this will be easy and Dave even says to not get discouraged if you don't do well the first few months but stick with it and it will be the best thing you ever did.
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