1. Write out your monthly budget on paper. Spend every dollar on paper before the month begins. Don't use Quicken! - it makes you lazy. Quicken makes you think that the software is controlling your money. This is not true, You control your money!
2. Give the budget to your spouse and make sure he/she agrees on the amounts in each category.
3. Watch your money! Monitor your budget everyday for the first month, every other day the second month and then once a week after that. You should be able to maintain a budget with weekly inspection once you get the hang of it. You will probably have to change your budget 2 or 3 times.
4. Never spend more than $300 without first talking to your spouse and sleeping on the decision.
5. Keep a checkbook and balance it.
6. Use the envelope system (cash) - it will make you prudent.
7. Use your debit card sparingly.
P.S. - Remember to take a deep breath and relax. Your money (the families money) goes where ever you tell it to go and part of being an adult is to make responsible decisions with the money God has given us.
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