The Truth about budgeting, according to Dave Ramsey is about making a strict budget and sticking with it. At the beginning of the month, you spend every penny on paper. If you are married, both spouses should participate and agree. It might take 3 to 4 months to start seeing a difference, but if you put the plan on paper, you are more apt to stick with it and strive to make it each month.

You should be sure to over-budget groceries because this is an area many people underestimate. Once they get to the store, they don't stick with the budget and it can affect other areas and cause playing catch up all month. By planning ahead for over-spending on food, you have the opportunity to budget savings if you come out of the store with better results.

There are things you can go without, and you need to eliminate any impulse purchases that aren't emergencies. If both spouses stick to the budget, you should see your finances and money worries become less of a burden. Use extra money to pay down debt or put into savings, then start over at the beginning of the month, to get your finances in order quickly.