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Budgeting is an essential step in the saving money journey, and something I thoroughly encourage here at Saving Money Plan. That said, different types of budgets work for different people.
Here are some good budgeting resources I recommend:
- Simple Monthly Income and Monthly Expenses Page (This is a very simple, first-step approach to budgeting your monthly incomes and monitoring your monthly expenses)
- Simple Weekly Expenses (These weekly expense sheets serve the same purpose as the Money Book, which is what I use)
- Complete Excel Workbook (This is an extensive set of excel sheets that serve as a real program to get you started)
- More Free Budget Worksheets (Click on the “free downloads” list)
- Free Money Management Worksheets (This was recommended by Get Rich Slowly)
- Financial Integrity Guides (I can’t recommend these heartily enough! They are very extensive and are a great supplement to a book I love: Your Money Or Your Life)
- Financial Integrity Tips and Tools (These are simpler tips and tools that work in tandem with the Financial Integrity Guides)
- Dave Ramsey Budgeting Forms: Quickie Budget, Monthly Cash Flow Planning, Irregular Income Budget (I am a huge Dave Ramsey fan, and definitely recommend all the resources he offers)
Here are some online calculators that are also really useful!
- Dave Ramsey Gazelle Budget
- Dave Ramsey Investment Calculator
- Dave Ramsey Mortgage Calculator
- Dave Ramsey Workplace ROI Calculator
Looking for more?
My family is gratful for finding your website. We have gone over all the differant “Debt payoff programs”. We have paid off one credit card and one attorney! We are excited. Hopefull of what the future brings. Thank you for all the coupons!! They have helped. and so has Cragslist! I have been selling all of our unwanted items and using that money strickly for adding onto payment for pay off on next in-line debt.
That’s great Robin — sell as much as you can to get that debt out of the way;) Thanks for reading!
Great resources on budgeting and on specific products and services to save money on! I am also a Ramsey fan!
~FrugalGuy
Thanks!
Wow, I am glad to see we are on the same page. Dave Ramsey is the man. Thanks for helping all of us who know how important it is to live like no one else so then we can really LIVE LIKE NO ONE ELSE.
Isn’t he?
Live now like no one else so that later you can live like no one else;) Indeed!
Just wanted to stop by and say, that we will graduate from the Dave Ramsey FPU on Sunday April 17th. Within 5 years we will be debt free and we are retired.
Iron was usually made at the time by forming strips of metal together in the
forge. “In 2000, my mother entered into the same agreement, but now that she’s no longer in office, my family and I will continue to support you. After being caught in the middle of a battle between districts and having her head taken off, Noh-A finds herself in an awkward situation: She’s still alive.
HUGE congrats!!!!! I’m so happy for you Ronald!
iv gotten way over my head… please any tips will help
Thanks so much for the awesome advice and wonderful step by step couponing instruction. I’ve learned so much. I’ve only been couponing about 3 months and I have a stash of many needed food and toiletry items. I didn’t see much difference in the beginning on the total budget b/c I was stocking up. Now we are seeing a difference b/c there are so many items on our grocery master list that we do not have to buy now that we have a stash. For July’s first of the month big grocery shop we’ve come in under budget. Yay! So this month we will actually be within our alloted 250/month for food and toiletries (we spend almost the exact same ea week on bread and milk so it’s easy to figure in). Just to make sure we stay on track with it and all incidental expenses, we are going to use the envelope method for the first time. I’m so excited about getting closer to our goals. It has been hard trying to live on an income of less than 30K for a family of five. But I think we are getting there. I’ve also added some income lately-selling on ebay, writing articles, taking surveys. I’m also using swagbucks for gift cards towards Christmas purchases. I plan to make a lot of Christmas presents homemade and even make some baskets from my drugstore freebies. I also have landed myself a teaching position in our homeschooling group. “Where there’s a will, there’s a way” may be an old, old statement but it is very true
I wanted more than anything to be able to homeschool our children and make it on one income…we are doing it. God is good and so are his wise instructors. Have a wonderful day 
I am pleased that on the same page. Dave Ramsey is the man. Thanks for the help to all who know no other life, and how important it is, then you really can live as one.
I love the Davester!
Nice and pretty useful tips to say the least…. I just admire Dave Sir and his extraordinary contributions to personal finance….!! Have already bookmarked it for future reference….Thanks for sharing….
Wow this is utter brilliant.Just went through some of the articles being mentioned above and must say each and everyone is excellent in it’s own ways. Dave Sir is one gem of a contributor. It’s my pleasure to get to learn few amazing tips through his writing.
KYD
I would love to see some budgeting tips specifically to students. How can students save money? How can students budget? It can get so hard to budget in those earlier years in life especially with student loans and all the things that go into going to college. How can we budget in order to avoid having to dig yourself out of a deep hole of debt in the later years.
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