We sat down and made a budget for Aug. using a spreadsheet from www.climbingout.net. I think it is mid-way down the right of the page. The spreadsheet overwhelmed DH at first. I am the nerd and had to read the How to Use page more than once. DH really liked the Cash Flow Planning page. It has the income split by pay period at the top (we did weekly because I am paid weekly) then the budgeted items below. When you put in that you paid an item in that pay period it would automatically update to show how much you had left. He said it would help him pay bills. He was almost excited about it. I think it is more an "I have this much money to spend" instead of "I can only spend this much on ________". It is the same thing but he feels more limited on the budget. We will make the budget together but I will fill in the spent on the budget sheet and he will fill out the Cash Flow Planning sheet. Please pray that this works out and he will keep at it. If we can get this snowball rolling I may get a membership to TMMO just to let Dustin (he made the spreadsheet) know how it most likely saved my marriage.