Download Dave Ramsey Zero Based Budget Form Worksheet Pdf Free Balance Sheet for Your Budget Worksheet
You might spend more on "wants" than you think. A threadbare minimum of warm clothing is a need. Anything beyond that, such as shopping for clothes at the mall rather than at a discount outlet, qualifies as a want. Yes, the rules are tricky, but if you think about it, they make sense.
If you already own your home or you're locked into a lease, you're pretty much stuck with that ũ귔 payment. Consider relocating when your lease expires to make your budget more manageable or take a look at your other "needs" to see if there's a way that you can reduce any of them. Maybe shop for more affordable insurance or transfer the balance on that credit card to one with a lower interest rate so your minimum payment drops a bit. Your goal is to be able to fit all these expenses into 50 percent of your take_home after_tax income.