Looking to get on a Budget this year? Dave Ramsey is the best teacher out there on this topic!!! Right now you can download his Guide to Budgeting for FREE!!! I have always been a very frugal person…obviously clipping coupons, buying used or clearance clothing and what not…but one of my favorite quick pieces of information that Dave Ramsey talks about in his book Guide to Budgeting are the “Five Money Gotchas”! They go perfect with my already present lifestyle but serve as a great reminder for my family answering the always present question of “where does all that money go”?!?! Five Money Gotchas: • Eating out. Start eating leftovers. Staying away from restaurants…