A free guide to budgeting

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The avid readers of my blog may recall my New Year's post about the old adage that the way you ring in the new year is the way your year will go.  In fact, I talked with someone last night that brought it up before I did and I had to smile that I was not the only one thinking about it.

Since I rang in this year "calm and poor," I figured I had better work on fixing the "poor" part before the end of 2013 so I can start 2014 out on the right foot.

When I saw Dave Ramsey's (free) Guide to Budgeting, I thought I would download it for reading.  I'm linking you up too just in case you are interested.

I've heard a lot about him and a co-worker even attended a Christian based weekly event and had good feedback.  Maybe it's time I take a closer look myself.

I see his first step recommendation is to build savings.  This has already been on my mind since in 2012 our savings were depleted when hubby was out of work for three months followed by our college son being out of work for three months.

I'm sure hoping for a tax refund to jump start my savings again, but maybe I need to do more.

I was also reading recently a savings plan whereby people add $1 on week one of the year, $2 on week two, etc, through $52 on week 52.  I think that should be done backwards as people really need more cash during the holidays.

Using this plan, you would save $1,378 by years end.  That averages to $26.50 per week.  For me, I think it is more sensible to start a practice of a certain amount per month, as we learned in high school.  We teach our children to save out of every paycheck, but do we do it ourselves?