Yesterday I filled out my budget forms. I filled out the basic form and found it was entirely too basic and not much help at all, so I moved on to the cash flow form which I found very helpful and informative. As I talked to some people that have followed Dave Ramsey's plan, I realized that I am not ready to throw myself headlong into it. I don't want to become a Madame Budgetnazi overnight-I am going to take a few months to get into the habit of sticking to our budget, tweak it as needed, and revisit the issue of serious savings in May. Until our savings is up to $1000, we will only make the minimum payment on all of our debt. To me this sounded pretty counter-productive at first, but people I have talked to say that it really works. One thing I am going to do between now and May is to take any money left in our checking account the day before payday and put it into savings. I think that will at least give us a little boost.
Anyone have any tips? What has worked/not worked for you in the past?
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