At a Glance If you’re struggling to stick to a budget, the Dave Ramsey allocated spending plan can help. An allocated spending plan — which is outlined in his best-selling book The Total Money Makeover and his paid course Financial Peace University — is a type of budget that allocates expenses into groups based on pay periods. I’d describe this method as “old school.” It predates the smartphone — and therefore even Ramsey’s own budgeting app EveryDollar. For most people, it...
