It was hugely foundational to how we view and handle money. (My husband and I first started out with a cash envelope budget, and that’s what we used for years. The practice of writing your budget on paper brings it down to the simplest level, which is important when you are trying to get used to budgeting. This is the most basic form of planning for your income and expenses, and the act of physically writing it down and looking at it on paper is especially powerful. If you are new to budgeting, I absolutely think it is important to start out with a paper and pencil budget.
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I’ve also written about how to budget when your income fluctuates from month to month, which also includes a free irregular income budget printable. If you are new to budgeting, I’ve written a tutorial for creating a basic budget, which includes a free printable budget form. Creating a monthly budget has been a huge part of the massive progress we’ve made in our debt free journey. As I mentioned here, we discovered Dave Ramsey and his teachings years ago and were transformed. Budgets are very personal and should reflect your goals and desires. When you create a monthly budget, you set up a plan for your money, according to your priorities and your situation. I believe a budget is key to achieving your financial goals and putting your money to work for you. You can read my full disclosure policy here. Note: This post may contain affiliate links for your convenience. These 8 reasons you should be budgeting with Every Dollar will show you how this tool can simplify and streamline your monthly budget process!
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