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Dave Ramsey Budget Spread Sheet. All you do is punch in your numbers! Excellent for planning for your spending!...I could use this. We LOVE Dave!

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How to Create a Budget That Will Work

You may have heard that you need to have a budget, but don't even know WHERE to start. No worries! This post will help you with some easy tips you can follow to make your own -- and I've even got a FREE NON-SPREADSHEET budget form you can use. Heck - we even do the math for you! www.pennypinchinmom.com