- 11 months ago
- Wedding: July 2018
Read The Total Money Makeover. It has changed my life, Dave Ramsey’s plan works if you stick to it. He also has a Youtube channel that he does a daily live radio show and you can watch previous shows.
For budgeting, I like Mint.com because it works really well for my budgeting style. I have also heard great thigns about YouNeedABudget.com and Everydollar.com
I check the balances on our accounts every single morning. I pay all of the bills the day I get paid, then move some into savings,individual accounts for gas money,etc as soon as the bills are paid. I have noticed if I have “extra” money padding that account, I spend it. So I do a zero based budget. Which is exactly what is sounds like. I budget down to 0, Every single dime that doesn’t go to bills or food or gas or normal expenses gets saved into our savings account right now. Once we get $1000 saved back into our account for emergencies everything above normal bills and expenses will go to debt. Once our debt is paid, then it will all go into savings for a 6 month emergency fund and then saving for a house.