We all want to save more money right? Most people think they need to make more to save more. The truth is. Whenever we start to make more money, we just end up spending more money. I am guilty of that! Finally fed up with the rat race of working more so I could make more, so I could spend more, I bought a ticket to see Dave Ramsey live. I also bought the program and read his book The Total Money Makeover: A Proven Plan for Financial Fitness
BUDGET was a four letter word to me before I read The Total Money Makeover: A Proven Plan for Financial Fitness
It changed the way I looked at money. I know what you are thinking. "a budget! BLAH!!!!" That was me before October 2011. Now I can't live without one.Do you want to save more money? ( I can't think of anyone who would say no to that question! )
One of the first things you need to do to save money is to see where all of your money is going. Simple enough, right?
Sit down with your Hubbie and create a budget for your months expenses. Below is an example of things to include.
Total Income
Charitable gifts
Savings
Emergency fund
Retirement fund
College fund
Housing
Mortgage(PITI)
Repairs
HOA fees
Utilities
Electric
Water
Gas
Phone land line
Cell
Cable
Food
Grocery
Restaurants
Transportation
Car notes
Gas
Repairs
Car insurance
License/inspection
Car replacement
Clothing
Medical/healthcare
Personal
Life insurance
School supplies and fees
Gifts
Christmas
Birthday’s
Allowance
Vacation
credit cards
Pet’s
Misc.
Balance more on money
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