![]() ![]() If you’re not one of those lucky people to have no debt, you’ll have to lower as many of these categories as possible to pay off your debt quickly. This list was constructed based on the hope that all of your debt (minus your mortgage) has been paid off. You’ll notice that debt isn’t in this list. Let’s take a look at what Ramsey suggests: It really breaks down by major category, so it’s a great set of guidelines for the beginner. I feel like Dave Ramsey‘s budget percentage recommendations are some of the more in-depth out there. Dave Ramsey’s household budget percentages Now that we have that figured out, let’s take a look at some of the most popular budget techniques out there. You should give some thought as to where your money goes and what you anticipate you’ll need to be covered before really diving into your monthly budget. Or you may be putting off buying any new clothes for a no-spend challenge, so that category won’t apply to you. Remember: each of these general categories look different for every person/family.Ī family of 4 shouldn’t have the same food budget as a family of 2.
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