Holy Cow, have you been through Dave Ramsey's Financial Peace University class? Whew. It's good but holy cow, it's actual WORK. And I'm single - I can't imagine bringing a hubby to the table and getting the two of us agree to a budget. Of course, being single I am stuck being the "Free Spirit" and the "Nerd" in one lovely bundle.
So I finally got myself logged on, downloaded the budgeting forms and started dissecting my spending. 1) I'm a total foodie and I eat way too much. Both grocery store spending and eating out is crazy insane. 2) I am so happy I don't have debt, such as credit cards and student loans. That actually made me feel pretty good! I'm still struggling to make ends, even after the cuts, but who isn't? I'm watching my insurance prices go up up up, the cost of groceries and gas going up up up and my salary isn't going anywhere. *sigh*
But with all this in mind, let me give you my recommendation: I feel empowered. I am the ultimate HATER of budgets, but you know what, I'm enjoying this. I AM IN CHARGE OF MY MONEY. I am not a victim of circumstances, I am looking at the income I have and I am deciding where it goes!
I can't say enough good things about this. I went from being afraid to look at my bank statement (I've never in my soon to be 38 years balanced a check book. No, seriously) to looking at every line items, putting it in a category, deciding what I have to cut back on, mapping out when things are due/drafted, putting a limit on what I can spend in the grocery store, I mean, I'M TAKING CHARGE.
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Ok ok, enough. Anyone else out there who has found this class to be beneficial? How about letting me hear an Amen here!