hammer_time - 2015-01-06 3:16 PM

Hubby and I are trying to get on the Dave Ramsey plan. I'm good about paying bills, but I'm terrible with managing the food/spending money. We have all the bills accounted for this month. We just need to take out the cash for the envelopes! But we are keeping track of what we've spent.

I'm pretty good at writing everything I spend in my check register.
I do a lot of mock budgets on paper before I'm paid. I also have all my payment due dates in my phone on my calendar as a recurring item. When I get paid, I look to see what is due until next payday and I get those scheduled.

I highly recommend getting Dave Ramsey's book and even listen to his podcast! I listen to his podcast every day on my commute home. He has alot of good advice on Real life struggles and situations.