Phil Anderson shares with us the story of how he was laid off with no savings and both credit card and auto debt. He tells how his life changed when his girlfriend, an account and now his wife, created spread sheet to help him budget his money. From this simple beginning budgetsimple.com was born. Phil is now debt free and started living his dream of having his own company in September 2012 when he left his job to go full time at budget simple.com