:) I'm not going to walk into a gas station and pay for my gas. That's where I don't agree with Dave Ramsey's model. I wanted to use cash for some purchases but not go entirely cash-only. Now this is one that I added 2 years ago when Paul lost his job unexpectedly. This could be helpful to sort by if you get paid bi-weekly and want to make sure you have the funds in the bank to pay your bills on time. Kind of nice to know when things are due. You can easily see where the “fat” is and make adjustments quickly all while the formulas do the math for you. This is another reason a spreadsheet is nice to have for a budget. You want a monthly total here so you can understand how much you have to work with after all of your bills are paid. You can see in the example, I have several items listed that most likely you use each week (Groceries, Gas, Allowance, etc). I use this mainly for planning.Įnter the monthly total due to this bill name. This isn't really necessary but it's interesting to get a picture of what categories are hogging up your money much like the online program Mint does for you.
#Dave ramsey budget chart pdf#
I keep mine as generic names rather than saying “XYZ Bank.” The names listed are purely for example and that's why a spreadsheet you can download yourself is much nicer than a PDF or printable since you can customize it for your family. The bulk of this spreadsheet are your expenses and getting a good picture of what you are paying out each month. I deliberately have these separate in case you and a spouse are working but want to eventually become a one-income family. As you will see in the very top, I have two line items where you add your Monthly Income.
I know there are many free budget spreadsheets available but I wanted to personalize mine in order to help us achieve our financial goals.
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