Dave Ramsey Envelope System

[jenrose]

Where on dave ramsey website is the budget sheet...can't find it

Under the tools tab then budgeting.

[nagrom13]

there is only ones for purchase on the site im on???

[jenrose]

there is only ones for purchase on the site im on???

you may be on the 'store' site. it is just daveramsey(dot)com then click the tools (in the blue bar towards the top) then scroll down to budgeting, then click on dave's budgeting forms.

[MamaBird06]

I love the envelop system have used it before and am going back to it....one big problem how do you get your dh who agrees about a budget to follow the system.

He knows we are on a budget and "doesn't understand" how we spend over but eill go to costco and spend 300 without even asking how much we have.

Budget only seems to apply to my household spending but then I'm accountable for all the extra?????

uhh i have the same problem with my dh, he says he is going to start tracking his money the 1st. I talked to him today and and while he thinks he spends probably 30$ a week, i quickly pointed out to him that is probably much closer to 80$, on gas, eating out at work, cigarettes, football pots he participates in and his weekly poker night at his friends. Ah! I wish i had that much blow money each week! I know that the gas/food isn't completely blow money, but i was trying to point out another way to save some money to him.

I am definitely going to try this envelope system! I need something to keep me accountable, and I want to start saving for christmas now so it is not a big deal come december.

[mommytaylor]

Grocery
HBA (includes hair cuts)
Car Repair
Home Repair
Travel
Gasoline
Phone/Internet/Cable
Water/Sewer/Trash
Creditors
Cell Phones
Clothing

Electronic Checking Payments (no envelopes):
Mortgage
Gas/Electric


I might have missed something but I think those are all of our envelopes.

[MamaBird06]

I made envelope systems:

one for general use:

groceries/household etc.
gifts/bdays/holidays
clothes/shoes/haircuts
entertainment/eating out

one for bigger items:
these will all be going into a savings account soon:

emergency fund:
house maintenance,
car repairs
vacation

we pay all monthly bills online, so i don't have an envelope system for that.

[mnnice]

We just have one envelope the covers most non bill/non savings expenses. We fund it monthly and keep the envelope in a spot that we know about (but the kids don't) and take out cash as needed. Anyway for us it more about keeping the total at our agreed upon monthly amount not so much tracking it.

Food, clothes/shoes, entertainment, gifts, cleaning, haircuts, oil changes/gas, lightbulbs, postage, books. It doesn't include any home maintaince stuff over about $20 or any real car repair or car expenses.