Budgeting never came easy for us. Actually, nothing with money ever came easy for us. Our monthly financial talks were always stressful. Then we decided to try budgeting with multiple accounts.
A few years ago we took Dave Ramsey’s course, Financial Peace University. It’s an excellent course. This course was the one that helped my husband and I get on the same page with money.
We didn’t learn about Dave Ramsey until after our unemployment and financial ruin. Dave Ramsey’s course is very good and it teaches how to use cash when you budget.
I decided to open up a checking account for myself & move money to that account to be used for groceries & gas & a little fun money for myself & the kids. We had our joint checking account and then we each had our own checking accounts.