Almost every household runs their income and bills differently. As I mentioned in a previous post, our family has quit using credit cards, started a budget, and cut costs in almost every area of spending.
One way that we have accomplished this is to use a free online program to track our earnings, spendings, debt and assets. Mint.com is a great tool, easy to use and you can link most every online account you have to them to help track your money.
After reading the Dave Ramsey book...Total Money Makeover, my life, then my husbands was transformed into one of wanting to be debt free. We have a lot of debt, probably more than average, so it will take us a little while to get out of it. We are committed and I look forward to sharing with you when we hit certain goals. Thanks!