I've seen no one actually put that word in here. If you did and I missed it, I apologize. Just like Dave Ramsey says, every dollar on paper before the month begins. And honestly, I have found I can make my pay stretch more now that every dollar has a name and a place to go. Not only do I use coupons and have already cut down on my expenses but I'm whittling away on my debt. (Also I have a months worth of expenses in the bank just in case something happens.)

I can even share the budget template I use. It may not work for everyone but it works for me nicely.