Dave Ramsey’s Recommended Percentages for Today’s Budgeting Households

Mr. Ramsey’s thoughts and teachings about debt and personal finance hold a lot of controversies. Specifically, Dave Ramsey’s recommended percentages for budgeting.

Good Debt vs Bad Debt

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.

Good Debt vs Bad Debt

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.


Savings needs to happen. Whether you are saving for retirement, a new car, an emergency fund, or Christmas, we all need to save.


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.


Food is another category that can be easily reduced with some planning. This budget category would include not only groceries but restaurants, take out, fast food, and morning coffee and muffin.



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