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Old 08-23-06, 04:10 PM
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Default How, what and where???

do you begin to do a budget..
 
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Old 08-23-06, 04:19 PM
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Ugh--what a big question. Last fall, DH and I were looking at our finances yet again and didn't like what we saw. We were driving to my in-laws' and heard a radio show by some crazy guy. When we arrived at my in-laws' and talked to DH's aunt, she said, "My friend just told me about this program by this guy..." and it was the guy we'd heard on the radio show. We knew it had to be more than coincidence.

The man's name is Dave Ramsey and the book is called The Total Money Makeover. We borrowed it from the library and within 1 week, we were ready to go. The book is encouraging, logical, and SIMPLE. It's a true path to makeover your budget, debt, and future wealth.

So far, we have paid off about $8,000 in debt, since January of this year.
 
We're still about 15 months away from being debt-free, but we were facing many, many years of debt before Dave Ramsey.

I would suggest getting the book from the library as a good place to start. We had tried other "budgets" before this and it's the only thing that works for us.
 
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Old 08-23-06, 11:23 PM
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Thanks for the info. I have no idea how to budget. I mean, I pay my bills on time, I spend, I save and I have fun......I am also debt free.

I am going to see about getting a book. Dh is a saver and I am the big spender.
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Old 08-23-06, 11:37 PM
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I just got the book and am reading it now!
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Old 08-24-06, 12:25 AM
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I am also doing the Total Money Makeover Laura. I love it! It has some really great ideas for putting yourself on a budget and what to do with your money. We are working on becoming debt free and have paid off over $2000 dollars of our debt in the first month of putting our plan into action. Setting up the plan for the first month can be a bit time consuming, and many of the things were a big guess for us, like how much to allot for gas, food, etc. But this month is was much easier. The other thing that takes a bit of time is that you have to figure out what paycheck money for each thing is going to come out of. For instance the entire payment for our mortgage has too come out at the start of the month, but I can take money out of each of our 3 checks a put toward groceries. Hope that makes sense.
 
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