Well, I know why. I spend too much and don't plan out any payments or savings. I just pay bills every Friday based on what is in my checking account. Needless to say, this has not worked very well for me. I'm tired of living paycheck to paycheck and really need to make a change.
Enter Dave Ramsey :)
I can't remember when I first learned about Dave Ramsey, but I started reading about him, listening to his podcast and even purchased his program, Financial Peace University. I didn't finish the program, but now I plan on making time to go through the program.
I also plan on using the Dave Ramsey budgeting tools to help get me on track. I have some plans this year, some that I'm not ready to reveal, but the point is that I have to get my finances in order. I need to eliminate as much debt as I can and I have to save money!
Another way that I'll be getting back on track is using my planners. I am a planner fanatic, I can never have too many - LOL, shopping problems! I have 2 planners that will be used for finances.
This little one will be in my purse and will travel with me everywhere. The cover is so inspirational since Paris is one of the places I'm dying to visit. This planner will be used for many things, but since it will be with me at all times, it is the perfect place to jot down any money I spend.
This next one is my Kikki K mint green planner. I plan on using this one to add all my bill due dates on the calendar, keep track of balances and update them as I make payments. I'll be able to easily add some of Dave Ramsey's budgeting tools to this planner.
Since saving money is one of my goals. I am going to start with this weekly savings plan. Looks like an easy way to save $1000 in 26 weeks, which by the way is Dave Ramsey's Baby Step 1.