At the end of every month, we do our budget. For us, that means sitting down together with a monthly cash flow plan and an allocated spending plan, a pencil (with a good eraser), our computer's calculator and Dave Ramsey's Gazelle Budget software. Since Emily is the nerd in this relationship and likes to work out the nitty-gritty details, she gets the pencil and paper. Caleb, being more of a free spirit, takes the computer. Together, we work out how much money we can expect to get this month, when it's coming in and what we'll need to spend it on. Every month is different, so we have to sit down every month and change things. We discuss places where we're spending too much, or not enough. Then, after we've got all the necessities taken care of, we take all that's left over and put it on our debt.
This month, we'll be putting $990.19 towards our debt. We'll be finishing off a medical bill and starting on Emily's student loans.
Baby steps, baby steps...
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