In a previous post, I ranted about how all the money ran through our hands with nothing to really show for it. Our lives finally began to change when we ran across Dave Ramsey, read his book, took a financial peace class, listened to his radio show, and started working the modified baby steps.
What helped us most from all that we learned was the zero-based budget. It is so simple. You take what you bring home each month, assign a job to every cent and stick to your budget. It is amazing how, when you take the time tell your money what to do, it doesn’t just disappear. Gaining control over your money gives you confidence and control; when you want to win with money, control is a very important piece of the puzzle.