When you’re overwhelmed with debt, it’s hard to know where to turn or how to find resources that will help you the most. Maybe you’ve heard Dave Ramsey talk about money on the radio, listened to his podcast, or even read one of his books. But how can you find all the right “Dave Ramsey budget forms” for getting started? There are so many great forms to choose from!
Below you’ll find a short list of his free budgeting forms that will probably be the most helpful to you as you’re getting started.
Dave Ramsey Budget Forms
Forms for setting up your budget:
Use this Monthly Cash Flow form to organize everything you need to pay and your debt minimum payments. Next to everything write the due date: https://cdn.ramseysolutions.net/…/fpu_monthly_cash_flow…
Then, use this Spending Plan form to create your budget. You need a column PER PAYDAY which will change every month. If you’re paid weekly or bi-weekly, some months will have more than four pay columns: https://unite-production.s3.amazonaws.com/…/allocated…
Like Dave says, you’ve got to tell your money what to do or it will leave. Be diligent about using these budgeting forms, and know where your money is going — every penny of it!
*If you get paid a variable income rather than a set amount each payday, it can be somewhat confusing to get started. Dave has another great form to help you with that: https://cdn.ramseysolutions.net/…/irregular_income…
As you’re going through and setting up your budget, you may see that you need to call certain utilities, creditors, or other billing companies and request to change billing cycles. Usually there’s no problem when you try to tweak your “due by” dates, within reason. Don’t be intimidated! Many companies are happy to help if they feel it will help them receive your payments in a timely manner.
If you’re pretty far behind with your bills and need to get current, use this article from Dave’s site to help you plan how to get caught up: http://www.daveramsey.com/…/what-to-do-when-you-cant…
While we were paying off debt, I found encouragement in memorizing bible verses about money and thinking through what the bible has to say about money, contentment, and wealth. I’ve created these 24 printable scripture cards about money to help you stay inspired, too. They’re perfect for carrying along in your purse or bible and pulling out as you go about your day!
Here are my other Dave Ramsey articles you’ll find helpful as you plan to get your budget on track:
You can do this! One step at a time, my friend. Just keep putting one foot in front of the other, and you’ll get there. It’s worth it!
Go in grace today,
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