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#Dave ramsey you need a budget how to

What about debt? One category missing from the list above is personal debt.

Miscellaneous - The “stuff you forgot to budget for” category.

Personal spending - Personal care, haircuts, Amazon purchases, clothes, shoes, home furnishings, home decor, etc.

Auto insurance and home insurance is placed within transportation and housing categories.

Insurance - Life insurance, health insurance, and disability insurance.

Health - Medical and health care bills (not including health insurance premiums) such as co-pays for doctor visits, prescriptions, and dental care.

Transportation - Any and all transportation costs, including public transportation, car insurance, oil changes, car payment, gas, DMV fees, and parking.

Housing costs - Rent or mortgage payment, along with property tax, home or renters insurance, home maintenance, HOA fees, and PMI.Utilities - Cell phone, cable, internet, gas, and electricity.Food - Includes both grocery shopping and eating out.Saving - Saving 10% of your income for retirement, which ideally is within a 401(k) or IRA.Giving - Ramsey recommends giving 10% of your monthly income to worthy causes.Here’s a breakdown of each category, based on Dave Ramsey’s advice: Ramsey’s 11 budget categories, along with the percentages, are: Dave Ramsey’s Recommended Budgeting Systemĭave Ramsey’s Recommended Household Budget Percentages.

#Dave ramsey you need a budget how to

How to Analyze Your Monthly Budget (and Create Your Own).Dave Ramsey’s Household Budget Percentages Analysis.Dave Ramsey’s Recommended Household Budget Percentages.