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Old 10-05-2012, 06:19 PM   #11
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mamatoclaire
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Re: Forced to go with the Dave Ramsey Way.. lol

We aren't full-blown Dave Ramsey plan, but use his ideas in our budget. I pay all our monthly bills online, and our cash envelopes are:
Groceries
Household misc (like paper products, cleaners, etc)
Christmas fund
Travel fund (ie gas money to visit family)
Me and DH fun money
DH tools (he's a mechanic)
DD (for clothes, diapers, etc)

Our budget is not perfect, there's always miscellaneous expenses that come up, but this has helped us put extra money towards our debt. One of the biggest things is having our fun money in cash. Now instead of just impulse buying, it's "Do I have the money? Do I want to spend it on this?"
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