Until now, I've been using a simple budget that I created in Excel. However, lately I've been reading up more on budgeting ideas. I found Dave Ramsey and his baby steps interesting and have been considering following his approach and maybe even attending his classes. However, I've found some other budgeting software that sounds interesting. One program that caught my attention is called "Mvelopes." It seems to match up with Dave's philosophies (envelope budgeting) and makes it easy for people to track their envelopes electronically. Today I discovered You Need a Budget which seems to push the idea of not living paycheck to paycheck (our current problem) and makes it easy to track your money and get ahead. This also sounds interesting. My frustration is that as I'm trying to dig myself out of debt, I'm not interested in spending more money to buy a program to help me do it. I'm a smart girl and I think I can just use Excel and be fine... however, that approach hasn't worked great for me in the past. Right now I'm considering downloading a free trial version of YNAB to see what that's like. I'm hoping maybe I'll be able to get a few ideas for my spreadsheet which will help me along the way.
Question : Do you follow a certain system or philosophy in your get out of debt journey? How do you do your budget? Do you use any special software to track your budget? If so, have your experiences been positive or negative, it is worth it?