Ever wonder how those budget categories and percentages are supposed to work? The budget formula is the simple simple approach to categories. 50 percent is for your essentials, 20 percent is for your future & 30 percent is for your lifestyle.
We used to just guess how much we could afford to pay toward our debt each month. Now, between budgeting every penny of last month's income at the beginning of the month and putting every unspent penny toward debt at the end of the month, we are able to