Budget Control...(part 1 - The Budget)

   Another year is almost upon us and this year my husband and I have determined to develop a household budget and track our expenses.  I'm embarrassed to admit this, but after almost 20 years of marriage, this will be our first attempt at a written budget.  No surprise - as a result we've accumulated thousands in consumer debt and only possess the fuzziest of views of how much and where the money goes with each credit or debit card swipe.  Shocking isn't it?!

   Well, our New Year's goal #1 is - ESTABLISH A BUDGET!  And as dreadful as that sounds it's not nearly as dreadful as living paycheck to paycheck.  Aware that we will need to educate ourselves on HOW to create a budget, we are anxiously awaiting the Dave Ramsey Financial Peace University kit that I picked up used online.  (I paid for the kit w/money from selling used homeschool materials!)

   We will also need to be held accountable for every purchase we make and will need support to stay focused on our goal to be debt free (including our mortgage) by 2020.  With that in mind, we joined the support group page on Facebook - Dave Ramsey Budgeting. 
   This blog is actually a way to hold ourselves accountable.  My plan is to post a monthly update of our successes and failures on the journey to becoming ex-debtslaves!

Please, share below how your family sets up a budget!
Anyone else familiar with Dave Ramsey's Financial Peace University?