Oh man.. I have some exciting things in the works to share with you guys! I can't wait to tell you all about them!
I talked a little bit about my resolutions for this year, but I left something out. I started budgeting even before we were married. We don't use any credit cards, and the only debt we have is student loans and our house- so we were on the right track to begin with. I've tried making monthly budgets ever since we've been married, but we just don't stick to it. I haven't paid as much off on loans as I've wanted to, and we keep spending money in areas we shouldn't. SO. I decided to do an envelope budgeting system!
I started off with Dave Ramsey's envelope system. To start out the new year I planned for the entire month of January. I divided up our money into different envelopes, and that is the ONLY money we can spend for the month. As soon as I spend any money from that envelope, I track how much I spent, and how much is left. When it's gone, it's gone. No more using our debit cards for everything.
Do you budget? What do you suggest?