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Comments

1. Jennie February 27, 2009 at 7:11 am

   Are you going to do a class on this?
2. Jessie May 12, 2011 at 1:29 pm

   Hello,

   I “liked” your page on Facebook because of your focus on a budget. I have a blog that is dedicated mainly to the budget, how to set one up, how to maintain it, etc. Have you ever checked out YNAB (http://www.ynab.me/frugalmm)? It’s a GREAT resource for managing the budget. I have had the program for a little under a year, and it fits PERFECTLY with Dave Ramsey’s FPU and Total Money Makeover. It has a sort of “envelope” system where all category balances roll over into the following month, so it’s easy to save for expenses like Christmas, or to put extra in each category to have extra for later (like putting more aside for gas so you have have extra for summer, even with gas prices so high). It also has spending reports, charts, averages, etc. I have found it to be the best budget software out there (I even like it better than DR’s on his site) because it forces you to budget with what you HAVE not what you WANT to have, it makes you pay yourself back when you overspend, and it is zero-based, meaning it has you set all the money you have for a specific purpose.

   I will say, this has definitely helped my husband and I in our finances. We feel in control of our money instead of feeling like our money is controlling us. And the budget is the most important financial tool anyone can have… ever!
3. Jessie May 12, 2011 at 1:31 pm

   Whoops, sorry… the website is

   http://www.ynab.me/frugalmm

   Sorry about that!
4. katie unrein July 8, 2011 at 9:02 pm

   We took the Dave Ramsey course too and it is great. We have failed to tithe in the last year or so- we have to make this happen it is weighing very heavy on my heart.
5. amy osborn July 9, 2011 at 7:03 am

   I would love to follow this each week. I have tried to budget, but there must be something that I am missing. This series will help, I am sure. Thank you!
6. Mayce October 1, 2011 at 11:59 pm

   My husband and I are new to budgeting and sticking to a budget, but with a new baby and a bad job market we are left with no choice but to try this. Prayers please. I’m not good at this!

   • Kelly October 3, 2011 at 7:28 pm

     Mayce – I highly recommend trying out Dave Ramsey’s materials. That is what we started with and it was great to get us started. Be sure to start doing things like meal planning and stocking up when budget busters go on sale and that will help a lot in your grocery spending. I’ll be praying for you! Hang in there. 🙂
7. Courtney January 3, 2012 at 9:18 pm

   Try mint.com! It connects to all your online banking so you don’t have to write out your transactions.
8. Keri January 20, 2012 at 8:05 am

   This is my goal for this New Year and establishing a budget and paying off our credit card debt. This is great information. I am just having a very hard time getting my husband to agree to work off of a budget, or a meal plan or anything “controlled”. He hates the thought. I have decided to change my work status to part time to be home with our girls more and help with just chaos of life, so this is essential. He does not agree with my decision.