Dave Ramsey guidelines helped me really change my life:
Here’s one to download and play with:
We create and agree on our budget TOGETHER
YOU CAN’T IMAGINE HOW SEXY THIS IS.
We use “everydollar” developed by Ramsey Solutions.
1. You set up your budget for FREE on a laptop or desktop here: https://www.everydollar.com/
2. Currently, there is an iphone app that will also work on an ipad, the android version is in development.