Dave Ramsey budget worksheetĭave Ramsey is the grandfather of budgeting to pay off debt. The theory behind a zero sum budget is to make the decision about where every dollar goes before it comes in to your account. Different budget templates have different focuses. One of the first things I do when helping someone get control of their money is to give them a printable budget worksheet. An expense spreadsheet will help you look critically at how you are spending your money and where you can cut your expenses. That is why it is so important to have a budget. You would need to skip a lot of lattes to make up even a $100 savings in rent. Then without even considering the cost you are paying way more in rent or a morgage than you can afford on one income. To often when money is tight you do all the right things to save in one area like groceries or not buying expensive lattes. There are many things you can do to cut expenses or make extra money so that you can make ends meet on a tight budget. We are a participant in the Amazon Services LLC Associates Program, an affiliate advertising program designed to provide a means for us to earn fees by linking to and affiliated sites.” Read the full disclosure policy here. This post may contain affiliate links, if you buy a suggested product I will earn a small commission.
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