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Dave Ramsey is America's trusted voice on money and business, and CEO of Ramsey Solutions. He has authored seven best-selling books, including The Total Money Makeover. The Dave Ramsey Show is heard by more than 12 million listeners each week on 575 radio stations and multiple digital platforms. Follow Dave on Twitter at @DaveRamsey and on the web at daveramsey.com. |
Putting together a budget is important if you want a debt-free lifestyle. Knowing how to properly budget and save is crucial to staying on track. Hard work and dedication always pays off. Budget Billing for Utilities? Dear Dave, I'm just starting my debt-free journey and trying to lay out a budget. What are your thoughts on budget billing for utilities? Ryan Dear Ryan, I think it’s wonderful! There’s absolutely nothing wrong with it at all. For a lot of folks, especially those in your situation, it helps smooth out utility payments and make them a little more manageable. In most budget billing scenarios, they add up your utility bill for the last 12 months and divide that total by twelve to determine a fixed billing amount for the next twelve months. It can make things so much easier when you’re first starting to live on a budget, and you don’t have a lot of wiggle room where your finances are concerned. I’m glad you’re taking steps to get control of your money, Ryan. You can do this! - Dave |
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