Matt and I have been budgeting for quite some time now. With Matt in school and all of the expenses involved with that, we have had a really tight budget. Having a budget has helped us pay off so many of our debts, and now the only one other than our house that we have left is Matt's federal student loans.
I love Dave Ramsey's teachings, I have mentioned this before. Because of Dave Ramsey and Financial Peace University I have been scaling down our expenses as much as possible. There are so many places that I am looking into saving a little extra money.
https://www.mytotalmoneymakeover.com/. I absolutely love this and it totally does all of the math for you. I am very much the paper and pencil person so I also use the budget sheets from http://www.lds.org/bc/content/shared/content/english/pdf/language-materials/33293_eng.pdf?lang=eng. I like to do it both ways, the paper and pencil version allows me to jot down a new number really fast rather than logging into the computer every time; and the software allows me a better visual as where we are exactly with our finances.
We are going to have to get a lot tighter with our budget. All of Matt's student loans will start to come due next April, and I am a little nervous about how it is going to workout with our finances.