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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.