Setting up a budget is daunting for so many. How in the world do you even start? Where does my money go and what budgeting categories do I even need? Even though you may not be Dave’s biggest fan, his program works.
Because this book is compiled by someone who believes very strongly in his religious beliefs, you will find giving and tithing to be first and foremost.
Dave believes that before anything else, you give. If you are not a church-going person, you can give to charities or put this toward something else that might need more of your salary.
The housing category not only covers rent or mortgage, but it also covers all decor items and repairs to where you live.If the faucet is leaking and you need a plumber, this is part of housing costs – unless its an emergency, then you can take it out of savings.
Utilities might include everything from electricity, natural gas, phone, and cable. Be selective here, though. it seems most agree that TV is a utility yet subscriptions might be considered recreational.