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See I told you, this would help!

Coupon Abbreviations
  • SC = Store Coupon
  • MC = Manufacturer Coupon
  • SS = Smart Source
  • RP = Red Plum
  • PG = Proctor and Gamble
Coupon Terms
  • WYB = When You Buy
  • B1G1 = Buy One Get One Free
  • .75/1 = 75 cents off one item
  • .75/3 = 75 cents off three items
  • EXP = Expiration Date

Going Nuts? I can help you understand coupon terms and abbreviations

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free dave ramsey guide to budgeting

When New Years resolutions are made, we often talk most about how much we want to save and manage our money better. For a limited time you can get a FREE Dave Ramsey Guide to Budgeting!

This encouraging and stimulating FREE guide is full of all the ins and outs of making a budget. It’s a great way to start the New Year.

See more freebies!

    • Jenna

      I’m actually a graduate of FPU, and while I prefer other methods to Dave’s, his was the plan that got me started.

      That said, I would heavily recommend against shelling out the money for Financial Peace University these days, should you want the full course, for two reasons:

      1. His budgeting advice is good, but his other advice beyond that isn’t great. Saving, investing, and paying off debt isn’t as one size fits all as he makes it seem. Dave recommends paying off the smallest debts first, and while that might be best for some, for others it might save a good deal more money to pay off the highest interest debt first. It also would be a good idea to save more than what he recommends during this period.

      2. The same (and better) information and tools is offered online for free from various sources, if you can use a little Google-fu.

      The cash flow and budgeting worksheets are also a bit oversimplified and don’t really allow for adjustments. You’ll definitely need to personalize.

      If you have the money or can find a great deal on it, I heavily recommend purchasing the YNAB (You Need A Budget) software. It goes on sale often, and in fact it was just on sale a few days ago for $15 (as opposed to the regular $60). You can also sign up for a free Steam account and receive notifications when it’s on sale.

      The YNAB budget looks very similar to Ramsey’s Cash Flow form and a checkbook register or bank statement, but you can adjust it as needed and it gives you a transaction-by-transaction record to look at. YNAB also offers free online courses and recordings to help you get started and become more familiarized with their product.

    • alison772

      I’ve downloaded it twice but when I tried to open it adobe gives me an error message “file is damaged and could not be repaired” and won’t open it. Any ideas?