Budgeting Made Simple

While cruising around the web, I happened upon a very useful spreadsheet. It was developed by Dave Ramsey of Money Makeover fame so it adheres to the zero based budget concept. Very simply a zero based budget is one where every single dollar is allocated. Basically you have planned your spending to the last penny. The spreadsheet is cool because it breaks it down by each paycheck how it will be spent. The second tab calculates if you were on track for the month. The budget template is available in Excel or for you cheapskates it can be downloaded in openoffice format.