I am very familiar with Dave Ramsey and TTM, but have been really struggling with how to get back on track with the budget.  First of all, my husband and I don't have any credit cards and we live paycheck to paycheck.  My question is how do I get started on the envelope system/budget when I am paying bills each week with the paycheck we get for that week.  There is nothing extra to set aside.  I have so many questions, but don't even know where to start. 

Okay this isn't up my alley I just got started on it me now being single iss hard but loving it...

First you know you have a budget secound now get the enovlopes ready mark down lets say rent the amount of dollars each month goes to the rent then use it for rent not to touch or else I had to do that I had kids running around the house all the ytime asking for money nope I say and not to touch rent money period....

It goes with food water electric so on so fourth brandy and pat are good to talk with on this matter also debra martha and pat they know better then I but go to david ramsey web site and look on what advice he gives also gary and his dollar stretcher might also help and last the bank rate on the news letter good info and its free believe me we can take free specially now in this econm. days good luck let me know  how it goes for you...
cindy

This works for us maybe an idea for you:

We have three accounts at the bank, one for fixed expenses (bills), one for living expenses ( groc etc.) and a savings account.

The first account has a fixed amount going into it covering all bills and my repayment plan on the last 4 credit cards not payed off yet.

The second account has a fixed amount for living expenses as in groc, supplies, gas etc and is budgeted as how much for each category. I keep track of what we spend on a spreadsheet in excel. We have a debit card for this account only, we never go over budget because there is only a certain amount going in and the fact my dh does not have a debit card lol.

The only cash out is for our allowances and yes we get one a piece same amount and my dh gas money remember no debit card.

Everything else goes into savings.

This works well for us, but you have to be diligent on posting and recording your receipts on the computer and especially your check book.

I never liked the envelope system and we did try it too much cash out, sorry for the late reply, but I hope this helps.

I like zero budgeting. Start adding to your budget first what must be spent: Food, shelter, medical care, transportation, and so forth.

It is usually easier to reduce expenses. Begin by carefully tracking what your expenses are and then picking out the ones that you feel you can do without. Many people have found that keeping a notebook of tracking every penny of expenses for a month or two, then adding up the totals, is an eye-opener. For example, the daily cup of coffee at the 7-11 on the way to work can add up to quite a bit over a year's time and eliminating that expense won't hurt much. My favorite is brown-bagging lunch instead of buying it at work.

There is usually not much you can do immediately about the big expenses such as rent or house payments, car payments, insurance and the like. But you can reduce other expenses such as groceries and entertainment and travel costs. When you buy a car consider not only what it will cost to buy, but also what it will cost to own - insurance, fuel, and maintenance.