The files below are "Zero Based Budgets" created in Microsoft Excel. The idea behind a zero based budget, is that you are no longer are being told what to do by your money. Instead, you are telling your money what to do. If you follow these budgets, after a few months, you will feel like you had a raise, because every dollar will have a purpose, and your savings, and giving will increase exponentially.

TheZeroBasedBudgetweekly (use this budget if you are paid weekly)

TheZeroBasedBudget (use this budget if you are paid biweekly)

If you dont own Microsoft Excel, you can also import these files into a spreadsheet using Google Docs. Here's the link for instructions.