Yeah, I know this is a late for December. I’ve been trying to re-work my budget for a while now…since it hasn’t been exactly working out. Before, I had a general idea of where my money was going, but didn’t have the Dave Ramsey “every dollar” tracking going on. Starting this paycheck, after I pay all of my bills (via online bill pay) I will pull out all of my money, minus the bank “padding”, and use the envelope system. Hope that will keep my spending on lock-down. Any extra money is going to put towards building back up my emergency fund.
You can see my super-messy/misspelled budget below. The darker color means that its been paid, the Gold color means I have to pull it out of the bank and use the cash.
Next month I will be using a new layout for my budget that is more organized and properly labeled. I was having difficulty breaking up my paychecks for the month, and hopefully starting next month that will be solved.
