win a copy of the Money Saving Mom’s Budget :: giveaway

I have a very exciting giveaway for you guys today!

Okay, so have you heard of Money Saving Mom? It’s one of my very favorite blogs! It’s a site dedicated to “helping you become a better home economist,” where you’ll find the newest shopping deals and get inspired to become organized and save money on a daily basis. {I love that!}

Crystal Paine is the woman behind it all. She is truly an amazing lady- I’ve been reading her blog since 2007! Crystal was the one who inspired me to read Dave Ramsey’s Total Money Makeover, the book that led us to getting out of consumer debt back in 2008, and allowed us to buy this old house in 2010.

I give all the credit to Crystal for leading us to the right way to handle our finances- I’m so thankful that she shared their story and so strongly encouraged debt-free living on her blog! {Her family is very inspiring- her husband made it through law school and their family stayed entirely debt-free, and they just paid for a home completely with cash!}.

IMG_8042

Her newest project is the Money Saving Mom’s Budget: Slash Your Spending, Pay Down Your Debt, Streamline Your Life, and Save Thousands A Year. You might’ve noticed it was on my goal list to read this month. She sent me a copy to review, and I read it in less than two weeks! {reading is coming back this year! yay!}

I’ve read and loved Crystal’s blog for so long, so of course I was eager to read her book too! I didn’t know if I could learn anything new from it after being such a long-time reader, but I was actually pleasantly surprised.

I was excited to read the chapter on doing a debit-free experiment for three months! That was a new concept to me! We don’t use credit cards, but we do love the debit card, so I think that would be tough for us! I love a challenge!

The book also gave me a fresh outlook on the importance of taking things like budgeting slowly instead of leaping into it full-force like I am apt to do- a concept that could branch over into all sorts of personal habits. I’m so into that.

Here’s the thing about it: I think her blog is amazing- you can find a wealth of information there- but it comes in bits and pieces, told through lots of clicks and shorter articles. The book gives you the steps you need to know, in the order you need it. Which I LOVED. It wasn’t overwhelming at all; in fact, it was just the opposite- one baby step after the other of practical ways to put your money and life back in order.

Blogs may become more and more popular {and I love them so!!}, but Crystal’s book made me realize the value of a single volume of information- it’s the whole story told by the author in the way in the order they want to present it. Does that makes sense? It was just so enjoyable to read her book- it was like having a conversation, or listening to a friend.

I also loved reading her personal stories as she weaved them throughout the book. The Paine family is so humble- but it’s so obvious that they love the Lord. I so admire their dedication to living for Jesus, and I love how they honor Him by sharing their testimony of His faithfulness in their finances and other parts of their lives. They’ve been great stewards of the resources they’ve been given, and it’s a blessing to see them and have their example in this culture that never has enough.

You’re going to love this too: all of the proceeds from this book go to Compassion International. No joke. Isn’t that the coolest thing ever? Ahhh, I love it!! :D

And my most favorite thing about the book: it totally inspired us to get back to a budget again and to really buckle down and pay off our home in the next year or two. Since we are debt-free but the house, we haven’t been paying as much attention as we should to our spending and saving, and the MSM's Budget really motivated us to get back to paying off our house debt!

The book is a must-read if you want to find order in your life again and make your money work for you instead of against you. I loved reading every chapter {especially the one about going completely plastic-free!} and was excited to pick it up each day and get motivated all over again.

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So you all know I was completely thrilled when Crystal emailed me last month to see if I would be willing give away a few copies of her book!! Three of you lucky readers get to win a copy of Money Saving Mom’s Budget: Slash Your Spending, Pay Down Your Debt, Streamline Your Life, and Save Thousands A Year!

All you need to do to enter is leave me a quick comment answering this question:

Do you use a budget each month?

You can also earn two bonus entries each day by using the buttons below to share this on Facebook and Twitter! Just leave me a comment for each instance to get another entry!

Entries close at 11:59 p.m. PST Sunday night, Jan. 22, 2012 and three winners will be announced Monday morning! Good luck!

*2nd picture from MoneySavingMom.com

**disclosure: I received no compensation for this post other than a copy of the book for review.  All opinions are my own. Links to Amazon are affiliate links through which I may receive a small percentage should you decide to purchase the book.


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279 comments

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jasTXmom said...

Yes we do. We are paying off our last debt, our mortgage, which is only possible by having a budget and sticking to it. Thanks for the chance.

courtney said...

Just now learning to budget well. Five kids and one income...well we dont have much of a choice. praying for a lot of discipline! :)

Clarissa said...

We attempt to have a budget and stick to it, but it is definitely a learning process.

Joeloise Ghrist said...

I'm a new SAHM & would love to learn some great money saving tips!!

Joeloise Ghrist said...

Oops, didn't answer the ? I have an almost 6 week old....need I say more. ;). Ok my husband & I do have a monthly budget on an excel spreadsheet but I would to be able to save us even more $.

Renee C. said...

I totally use a budget. My husband and I are fans of the envelope system.

AudreyGrz said...

Loosely budgeted lifestyle, we just don't spend much on anything.

Kirsten said...

God is soooooo good! No I'm very sad to say we do not have a budget. We are in desperate need of getting out financial act together. We constantly live in survival mode. I could go on and on but I will spare you. I'll just say I so need to read this book. Thank you for sharing a great book and great blog. Praise God for YOU!

Anonymous said...

No I don't but hope to start. This book sounds really great!
Stephanie.
s.noelle94@gmail.com

Joni said...

No budget at all! I'm really hoping to buckle down on that!

Jessica said...

We have one, but I know it could use some tweaking. We are trying to pay off the last of our debt so we can save for a house. I am a wife and SAHM to two toddler boys, we live on one income and I need to do more on my end with the budget.

Jessica said...

Tweeted your give away

Jessica said...

Posted your giveaway on Facebook!

Anonymous said...

We do have a budget.My husband is the breadwinner and he works in construction so every week it changes.But I do have a dollar amount I have to stick to.

Blessings,
Brenda
pattersonmom24@aol.com

Christy@pipandsqueak said...

I have had a budget fr time to time but been very inconsistent. I need to be better becausey daughters tuition is increasing and going to be a challenge.
Christy.broyles@gmail.com

Rochelle said...

We do have a budget and we use the envelope system but we could definitely use some more discipline and some new ideas as our savings is not growing as I would like. Thanks for the great giveaway! Found your blog from The Pleated Poppy.

Jamie B said...

Have tried to budget but haven't been able to stick with it. Would love to learn, because we want to own a home.

Anonymous said...

Sadly, no. We do not use a budget each month. We would like to, but figuring it out seems so difficult! Hubby is self employed so it's not like her gets a set pay every other week. :-/
Mrsmicah (at) cox (dot) net

Great giveaway! I love your blog!!

T Harbaugh said...

We sure need to get on a good budget! Seems like we get ahead and then something happens and backwards we go! Thanks for the opportunity to win this book :)

Jamie B. said...

I shared this on twitter. Thanks. -Jamie B.

Jessica said...

Shared on Facebook

Jessica said...

Tweeted the giveaway

Anonymous said...

We Use a budget every month. Both of us have to work to make ends meet so it's important that we aren't wasting that money. Brab99@gmail.com

Jodi71 said...

I have a loose budget that is a general guideline for the pay day but a lot of money seems to slip away without me really knowing where it went, Crystal is wonderful, and I would love to read her new book. You inspire me too, I just discovered your webstie when my friend told me to check it out, thanks! I am going to set monthly goals and try to be more productive-and nicer to my 6 kids!

Sari Berry said...

tweeted - https://twitter.com/#!/saristrawberry7/status/160948687676260352

Sari Berry said...

Shared on FB - http://www.facebook.com/saristrawberry7/posts/240460822697153

mandyBH said...

Hey lady! you are the winner!! Please email me your mailing address to mandy at biblicalhomemaking dot com :D

Meghann said...

No. But desperately need to!

Erica Frisk said...

I would love to win this. We have a budget, but I think it is extremely lacking. We have worked hard to get where we are, but we would love to be debt free.
jebgafrisk.blogspot.com

Christie said...

In the past, when we were poor college students, we had a budget. We still got into debt, but it definitely was not what it WOULD have been had we not budgeted. We lived frugally & still do. We currently have a plan we are following to get out of ALL debt, but I suspect we can do better. Thanks for the opportunity to win this book!

Michelle Wimp said...

budget - oh that is a hard word for me. i use one to pay all my bills but then it goes out the window and there is no rhyme or reason to our spending. that is one thing we're working on this year and trying to make it a life long habit so there is something left at the end of the month.

Michelle Wimp said...

of course i shared via fb, i luv both the blogs, lol!

Nicole M. said...

No, but really need to start one.

Irvine08 said...

With the economy how it is, I have no choice but to use a budget. The problem is that my husbands paycheck it different each week depending on business. I do my best to cut costs wherever possible, but saving is impossible at this time, I am also a full-time college student online with two children in school. I am also going to home school next years, so every bit of guidance on budgets I can get, the better.

Sissy Sabrina Maple said...

Yes, I budget every month. We learned from a wise couple early on in our marriage how to budget. Neither of us were good with our money, or lack of money. ;) I am always looking for more ways to stretch our money and make things a bit easier for our family of 7.

Blkbstofaargh said...

Do I use a budget,? Not the way I should, I budget for food an have ben pretty slack on budgeting for bils and such.

Ashley Fisher said...

Yup we make our budget every 2 weeks. We took Dave Ramsey's Financial Peace University class as part of our marriage counseling while we were engaged. I bet this book has some awesome tips!

Bri@SweetCGrace said...

My husband, after bugging me to create a budget forever, created a budget for us this month on Excel! (I have no idea how to use Excel.) I'm very excited!

Jessica Hayes said...

Yes, we set up a budget using Mint online.

Rachel said...

I sort of have a budget but nothing super tight or that could really work for us. I budget all of our main bills and how much each week on food but would love to find some better ways of saving. This book looks awesome!! Thanks for the chance to win it!

Jennifer said...

I shared this giveaway on my facebook page, too! Thanks so much for the opportunity!

Jennifer said...

We do our budget by paycheck--every two weeks. We're in the becoming-debt-free process!!

Jennifer said...

I shared the link on Twitter, too! The more the merrier!

Ronnie said...

Love your blog and I would love to have this book! I try to budget every month, but I do not seem to know how much to spend on paying back credit card debt vs. what to keep in my account every month and I always end up falling short. One of my goals this year is to pay off my credit card debt and be plastic free by the end of the year!

Crystal Rodgerson said...

I would love to read Crystal's book! I love her blog. We use a "loose" budget, it's all kept in my husband's head (he doesn't like written budgets). His income varies from week to week, so we are diligent about living well below our means.

Beth said...

Yes, we use a budget. We love using mint.com to help keep us on the right track.

Kerri said...

Yes, we are budgeters, but would love the book for any tips and help!

Charissa said...

Yes, we have a budget. Excited for this giveaway!

Bridgetburritt said...

Yes we have a budget. Would love to win a copy of this book!

Melisha Meredith said...

My husband and I create a zero balance budget each month.

MaryAnn Cochran said...

Shared on facebook

MaryAnn Cochran said...

Shared on twitter

Melisha Meredith said...

Shared on facebook.

MamaHen said...

No, but I know I need to.

MaryAnn said...

Sadly we do not use a budget each month. We try some months but never seem to stick to it.

Dannicelli said...

I have to say that we do not use a budget each month but, i would like to start. As i am now a new mom and plan to be home with my child..

Sherrie Hursh said...

Yes maam!!! It makes all the difference in the world.

Kendal Barriere said...

We have a budget, but we are bad at following it.

Kendal Barriere said...

I shared it on twitter https://twitter.com/#!/KendalBarriere/status/159349409476386816

Lisa said...

We don't have a budget. Neither my husband nor I are spenders so we tend to save a lot of money each month. I'm sure we could save more with a budget, but we really don't need to spend the extra time or energy making sure we stay inside the budget right now

Kristin said...

We have a budget, but we don't always have to follow it because of some margin in our budget.

jennifer said...

no...but clearly need to start, with a second baby due in 8 weeks we will have double the diaper expenses... we have a 20 month old too!

Bree Holloway said...

I do not have a budget for each month, but I really should! I'm sure it would help a lot. :)

Vanessa said...

Shared on FB...thank you.

Amber said...

I don't have a set budget each month but spend the same amount of money. I know, it doesn't make sense but it's always the same! :)

Melissa said...

We do not have a budget but do save a set amount each week/month to our savings account and retirement account. We have always watched how we spend our money. I tend to think do I really need this before I buy something.

Anne Currier said...

I am in the process of starting a budget and am currently scouring the web looking for systems and tips. So far I think Dave Ramsey's got my attention :-)

Audy said...

I had one last year and it was amazing, since then I have crazy spent. Uck. Going to do another Dave Ramsey class so that should jump me.

Vanessa said...

We go back and forth all the time...use one for a few months then not. We did really well on a cash budget last year and then went off it when my husband was laid off from his job with a regular salary. It was harder to stick to when he served at a restaurant for a while.

Anne Currier said...

I shared this link on facebook

Anne said...

We use a simple budget from Dave Ramsey. It works for us.

kim healey said...

we try to use a budget but it doesn't always work

Vanessa said...

Tweeted at mrsmaryvanessa

Reenmomofmany said...

As a single mom of 8 - I have to budget every month

Jreevesnovoa said...

I keep a budget spreadsheet in google docs. I sit down once a week to enter the week's receipts and expenses.

kathy said...

No, we do not currently use a budget but are in the process of setting one up. We were thinking along the lines of Dave Ramsey but I think Crystal's book would be a wonderful help!

Alyssa said...

We definitely use a budget! I hope Crystal's book can help us find even more ways to streamline our spending and save!

Danielle said...

We don't use a budget, however we are in the process of setting one up and I would love to read Crystal"s book to help us become debt free!!

Molly Cash said...

Went to Financial Peace University last year and am trying to REimplement our family budget this year. It's tough but we can do it!

Ingrid said...

We have not been budgeting since 2009, but it's time to get back on that horse :)

Kmah1302 said...

Hi Mandy! We do use a budget of sorts but I know there is a better way. Some good sound guidance would be a God send!

Melissa H. (kmah1302) said...

Shared on FB too!

Kenzie said...

We don't currently use much of a budget, but I'd really like to get one in place that both me and my hubby can stick with. We want to be better stewards of the blessings God has given us.

Kristyk44 said...

Hi! I stumbled across your blog for the first time today and love it! We do use a budget but would love to learn more ways to save and pay off debt :) Thank you!

Danabackens said...

Not consistently. Its on my new years resolution list to find a better system. This book looks great.

Matt and Maureen McGee said...

We don't use a budget the way we maybe should - like you, our only debt is our house. We made up a line item budget in excel that basically just shows us that we have plenty to pay all our expenses and contribute set amounts to savings. But all that extra money is probably just getting frittered away...

Sue said...

No, but we should.

Emily H said...

I have an excel buget. As I get paid every other week, I have assigned all my bills to everyother pay day. This way I make an extra payment on all outstanding loans each year. When I do not need to make a regualr monthly payment if I am a head, I use that money to pay more on my current loans.

Laura said...

We definitely use a budget, because we need to be accountable for every penny in our tight financial situation.

Jody Tolsma said...

We do use a budget but its not as tight as it should be!

Jessica said...

We sure do !

Amy said...

I do have a monthly budget, but it's not uncommon for us to be a couple months behind maintaining it. As of right now, I don't know if I'm over or under...

Heidi said...

Yes.

Marijo said...

We use a monthly budget.

Colleen said...

I have written out a monthly budget many times but I am not good about keeping track of it.

Karisaskoog said...

Yes, we use a monthly budget

Sari Berry said...

Yes we do!

Kenz2410 said...

Not as a family, but I have a "fun budget" for myself

Karen said...

We use a monthly budget...and we do pretty well at sticking to it.

Readinfool said...

We attempt to follow a budget, but my husband is commission only so it is difficult to stay on track! I would LOVE to read Crystal's book.

Sari Berry said...

Shared on Fb - http://www.facebook.com/saristrawberry7/posts/330740386957037

Sari Berry said...

tweeted - https://twitter.com/#!/saristrawberry7/status/159396966806192128

Mary said...

I shared on FB!

Marcy R. said...

We have been using a budget on and off for almost a year. My goal is to really stick with it, but sometimes we get off track and don't seem to follow it.

Joyce and Norm said...

How funny that my hubby is a budgeting/planning business intelligence guy as his job but we don't have a budget for our household. Although we have never been in debt and we do save/invest, I think having a budget would be helpful to see what areas we save even more to do a little traveling and other fun stuff.

marisa said...

We are JUSt using a budget now. It's tough but doable!

marisa said...

shared on FB

Marisa Meme

Sunday Burquest said...

I shared the giveawayon facebook!

andrea said...

I have been using a budget for 1 year now, and love it!

Sunday Burquest said...

We are working towards a budget! I do have a "certain" amount of money each pay period to cover specific categories. I am determined to only use cash! I've made some mistakes this past year with credit cards, and what I love about God is even though I made the mistake, He is helping me out of it quickly! PTL! I have Dave Ramsey's envelope system, next on my list is to actually start using it. I have made it since Jan 1st on only cash and I truly believe the Lord is helping me. Last week I was at ZERO for another week (4 kids!). The Lord blessed me with $100 to get through the week! I know He honors the heart that wants to do what's right. I headed right on over to the Money Saving Mom's blog. I would love to have this book for my new budget adventure!

Crystalguerra said...

We have been using a budget for about 3 years now. It makes a big difference in our household.

Cynthia said...

Funny, we do have a budget (I married an accountant), but I seem to spend the same no matter what!

Sunday Burquest said...

I tweeted the giveaway!

Hutchingstisha said...

I'm trying really hard to.

Kristen said...

I do...but I could be better at following our budget! I love Crystal, too!

hvn8bnd said...

Well I have made budgets, but never stick to them, funny thing is yesterday I sat down and followed Dave Ramsey's plan and put it altogether, so hopefully this time it will stick

Debbie said...

We do have a budget and I love being on it. It keeps me so focused when I shop.

Rebekah said...

We use the Dave Ramsey plan, but this book is on my to-be-read list so I'd love it if I won a copy!

Rebekah said...

Shared on Facebook!

Janet said...

We started budgeting a year ago, using cash only! It is making a huge difference and making us better stewards of our monies!

Tiffany said...

I have a budget on paper, but we're not very good at sticking with it. That's one of our goals this year.

Burkes8 said...

Hello, I was using a budget however we recently moved and all of that has unfortunately gone out of the window, so I am tyring to get back together and get back on track. I need this book!!!!!

kwerf said...

shared you on google + and facebook...the answer is kind of ;-) its hard to have a strict budget with VERY fluctuating income. we are still learning

Heather said...

Yes we have a budget every month!

Jenny Miller said...

We need to go back to accounting for every penny in a more strict budget. We used to have a budget to the penny as Dave Ramsey advised but as of late we have gotten very behind.

Dawn said...

We have a work in progress budget. As we try to budget more, we find new budget categories that we need to create and others we need to slim down on.

Michelle said...

I have tried to create and use a budget, but it has not been easy. I could really use some great tips on how to do that.

Sarah said...

Yes, we use a budget. Still learning how to best budget to bring freedom and life as opposed to feeling restricted!

Jomich84 said...

Because it's a new year we are doing the envelope system again and paying off debt Dave Ramsey-style. I think and pray we are fed up enough with our unorganized, indebted lifestyle!

Michelle said...

Shared on FB and liked you on FB

Tammy said...

I have been using a budget with lots of wiggle room but with a pay cut and my son going to college, I am making a new budget for the year with very little wiggle room.

Jo said...

I budget using excel to track expenses.

Rebekah said...

Tweeted about it as well!

ruthann said...

I shared on FB

ruthann said...

I try to use my budget but something always comes up and I don't stick to it very long.

ruthann said...

https://www.facebook.com/ruthannalston?ref=tn_tnmn I shared on FB

ruthann said...

I shared on Twitter https://twitter.com/#!/lilgirllost72/status/159428160147034112

Barb said...

I shared on Facebook

Julie said...

I would love to read this book. Yes, we do use a budget. Do we always keep it? No. Pretty close, though....

Becca said...

Yes, absolutely I use a budget. Month to month is easy, its the big goals that intimidate me and seem impossible to accomplish.

Melissa said...

I do not have a set budget but try to see how much my bills are and how much I will have left at the beginning of a pay period! I probably need to be on a budget...

Beth said...

I would love to have this book! It looks great!

Melissa McSweyn Foster said...

I do not have a set budget but try to see how much my bills are and how much I will have left at the beginning of a pay period! I probably need to be on a budget...

Irisheyes006 said...

I have a specific budget regarding groceries. I will not spend over $100.00 a week for a family of 4. I know that sounds like a lot but we live in the NY City area and it's expensive! Otherwise, I'm not a big shopper and try to be as frugal as possible. Consignment shops are my best friend ;)

Upcyclebaby said...

My budget is pay bills first them see what left for the things we need.
Love and peace
Gina

Alice said...

We do have a budget but it's not really written. We just kinda plan out our finances for the next 2 weeks.

Megan McCown said...

Yes, we use a budget every month. In the past 3 months or so we have switched to Dave Ramsey's zero budget billing method. Still struggling with some things and working out the kinks. Learning process and self discipline required.

Megan McCown said...

Just shared on FB.

Alice said...

shared on FB

Alice said...

Tweeted about this.

Kristia said...

We have a monthly budget that we do our best to follow.

Monica said...

We do not use a budget each month...but after each month I add up what/where we spent money & make a note how what we are spending too much on!

deanna said...

yes! we are very new to budgeting but we are working to spend less and pay off those bad choices we made with the credit card.

Holly said...

We do use a budget! In fact we have made some changes this year that are working out well so far!

Heather said...

I have a budget, but tend to be a little "flexible" on the spending categories. So, if I'm running a little long on the gas column, then I know what's left in groceries to off-set and vice-versa.

Mama-to-six-below-ten said...

We seriously need a book like this! We don't budget faithfully because it seems so daunting. Funny thing - I entered to win this same book at the other homemaker blog I read and she just announced the winners. I wasn't one of them. :( Maybe this time!

Sarah C said...

Yes, we use a budget and use cash. Thanks for the opportunity.

Christie said...

Yes, we have a budget, but we do not use it properly. I need to do some work.

Betsy said...

We just started for the first time in 20+ years of marraige!

Adrianewinfield said...

we use a budget, and trying to get into the all cash form of payment!

Becky said...

I am a stay at home mom of four, with lots of medical debt from health issues my son has faced, and we are looking to get this debt along with some other off of our shoulders!!!
So I am looking for ways to save money, and looking for a budget, that has God on the top of the list!! So I guess my answer to your question is no...

Kendra Painter said...

We used to use a budget, but have fallen off the bandwagon. Hoping to start it up again soon.

Andrea Boelman said...

We have tried to use monthly budgets in the past, but have not been very successful. And for almost a year we haven't been budgeting at all. But we want to get back on track - and this would be the perfect start to that!

Kathy said...

Yes, we use a budget each month

Gabby said...

Long answer: We are a debt-free house except for one car and one house. We are also self-employed so it makes a monthly budget hard so we don't actually do it but we do track all of our spending. We hope to budget so maybe Crystla's book is just the thing for us. We just started attending a new SS class and are studying a new book, First Fruits Living: Giving God Our Best by Lynn A. Miller. Sounds like it might compliment what you are already doing/know about living a Jesus-centered life. Thanks for all the blogs. I love the variety and also learning from your amazing biblical knowledge.


Short answer: no. :)

Ann said...

I budget out by percentages: 50% of my husband's paycheck towards needs (which includes things like garbage and electric bills, cable/internet bill, etc. with a subdivision in this of a budget for every two weeks for groceries and sundries/toiletries); 30% for wants (with a subdivision in here for 10% tithing for church plus other giving); 10% for our car payment and student loan payment; and 10% for savings.

Mumphyisgreat said...

Great blog

Kirsten said...

No, we do not currently live on a budget. I'd like to go through a Dave Ramsey course and track our spending better.

Sue D said...

When we were younger I kept track of our spending and had a budget but both my husband and I are so frugal we were usually under budget so I don't formally have a budget.

Jennifer said...

I try to do a budget, but it seems it keep having to be adjusted.

Kristin said...

We have used a budget for quite a few years now and I can't imagine NOT using it. It's ingrained in us now! :-)

Ashley L. said...

I don't have a specific budget, just what needs to come out. This is something we're working to establish, however!

Amydelleney said...

My goal for this year is to live on a budget because I have one remodeling project left in my house ...the kitchen. We have let our finances get more lenient since we paid off everything but the house. Hopefully we can get it done this year!

Kayla said...

I do use a budget, especially after going through Dave Ramsey's Total Money Makeover!

Rachaelreese said...

No, we aren't on a budget; I just figure we are cheap enough to naturally live below our means. But I would love to have the freedom of having our house paid off, and I'm sure it would happen faster with a budget.

Ae Petersenplus4 said...

We make a budget, but struggle to stick to it. One of our goals this year is to get our finances in order so this would be a great help.

Rachel said...

Yes, we have a very detailed budget!

Chrissy DePirro said...

We use a budget for most things, but need to get more specific. Would love to win this book!

Sue said...

Yes, I use a budget. It's created in Excel and tracks monthly savings of special items that aren't paid monthly (car insurance, life insurance, etc). Thanks Dave Ramsey for getting me out of debt. I'm hoping I can thank Crystal for helping me be even more frugal :-)

kristin said...

Yes, We use a monthly budget, but like you I want to pay off the house.

Melanie said...

yes, but I don't follow it as closely as I should

Cyndy said...

Tweeted! https://twitter.com/#!/cyndycusson/status/159505134026633216

Jeanne said...

Yes, we use a monthly budget but don't always follow it as closely as we should.

Cynthia said...

Yes, I use Mvelopes for my budgeting software. Love it!

Angela Martell said...

Hi there! I am new to your blog and already love your "voice"! My finacee and I don't have any credit card debt, but we don't really follow a budget at all! I would really like us to start planning and dealing smarter with our money so that we can actually have a wedding at some point!!!! LOL. Sounds like an awesome read! Thanks for a chance to win!

Jackie Nicole Wertish said...

We do not use a budget every month, but I have been hoping to start the Dave Ramsey thing soon here, if only I could get my husband on board.

Jackie Nicole Wertish said...

I shared on facebook.

Jackie Nicole Wertish said...

I shared on twitter:
https://twitter.com/#!/jaxw1208/status/159537856312918017

Kuboa said...

Sadly, no budget!

Jill said...

We have a budget in theory, but don't always live strictly within it. We need a better method of managing our money that is simple and more structured. Thanks for the opportunity to win this valuable resource!

Kitamayo1 said...

definitely use a budget! have to!

Jenmose said...

I do budget, but not a disciplined budget. It is hard with the hubby, he does not like to be told we have no money left in that category.

Kitamayo1 said...

following on twitter

Lynn Long said...

After taking Dave Ramsey's class at church we are much better about budgeting. Two family illnesses/hospitalizations have put a hit on the budget but we have managed to stay our of debt. If it were not for those kids I could easily keep a budget :)

Kay said...

I would like to be able to follow a budget, but it never seems to work. We have recently started to write down our every day spending and track that for a month.

Kitamayo1 said...

following on facebook

Cortney said...

Oh I have this on my to read list and would love to win a copy! We do live by a budget, although sometimes it is hard it is worth it!

Diane B., PA said...

I am trying to implement a budget system this year. I haven't found one that is easy to use for a beginner.

Katy said...

shared on Facebook!

Katy said...

I am trying to budget, however I usually fail. I find school or sport expenses right now are killing what budget I have.

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