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Budgeting...the one word that people hate. But for us, it is awesome! Having a successful budget means telling your money where to go. When you tell your money where to go, you actually get to keep some of it! Our budget took a couple 'budget meetings' with Sean and I to really determine what was a good budget to set for our family. We had to consider budgeting for a lot of items that we would buy without thinking about as well as bills that are directly taken out of our accounts. The most important thing is to be on the same page with your spouse if you are making a budget together. The more we were on the same page, the happier we were/are go figure! Here are some things we budgeted for!
(I am not an expert, I am far from it and that is why Sean and I took the class. We have found a lot of success in dumping our college debt with Dave Ramsey and are sharing it with you!)
Tithing to our church and supporting our friend's ministries
House payment to our mortgage (this could be rent for some people)
House utilities
Wastemangagement: trash, recycling, yard waste
Cell phones
Cable/internet
Groceries
Restaurants
Clothing for Sean
Clothing for me
Gas for cars
Medication
Pocket Money S
Pocket Money H
Toiletries
Entertainment
Non-monthly
Doctor Bills
Dentist
Vitamins
Rudy (exams, nail clipping, etc)
furniture fund
Hair cut
Vacation fund
Car Insurance (every 6 months)
House Insurance (every 6 months)
Family Birthdays
Family Christmas
There is a just a little taste of a very simple budget for us. You can find some FREE budgeting forms from David Ramsey here that will help to get started. And also this FREE tool to use. You can do a quick start budget to get going, a monthly cash flow budget, or an irregular income budget if you do not know how much each month you are taking home. Love these forms!
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