We both work and we follow the Dave Ramsey budget program. We use an envelope system with specific uses. We both are 'allowed' x$ weekly to blow on food, DH get cash, and mine comes from payroll deduction from our cafeteria at work. We also have just a fund for blow money, as following DR has taught us if we have bills paid, make sure to budget for blow money. Our weekly food budget (includes going out to eat and pizza) carries over from week to week so some weeks we have a surplus and others we don't. Having said that, we need to tighten our strings much more and start really watching it because while we have the cash, we also use the debit card and that is not accounted for (even though we definately have it). I like our cash/envelope system as we know we have set amount to spend as the goal. In less than a year, we have become almost 100% debt free. Working on the car and student loans now.
Phoebe Grace 6-22-11; 8# 1oz, 21" long/19# 12oz and 30.5" long at 1 year; 23# and 33.5" at 18 months! And oh my! Grew 3" in 3 months! 36.5" at 21 months... long and lean like her mamma was growing up.
Me & Geoff, 39; DD Phoebe, our June Bug