Started watching Dave about 3 weeks ago..I went from $0 in savings...living paycheck to paycheck...to now having auto transfers to my Savings...written budget...and researching retirement funds. I feel like a completely different person these days. My friends think I've lost my mind bc im literally accounting for every dollar I spend now. Working on my emergency fund now....and being committed to "living like no one else"
I did my first-ever budget February 2019. I'm 41 years old. I make $5000 a month single no kids but could not see where my money was going until now. Lord have mercy. Food, eating out unnecessary expenses.. I'm so glad I started listening to this channel.
@@akbenyellesyou didn’t hear? He went broke sold his neighbors house and 3 dogs and now lives under a bridge off the highway. Changed his name to Judy now he sells used nail clippings for expired soup cans.
Dave Ramsey is the best. I am a way underpaid social worker but was still able to get to steps four, five and six thanks to Dave's plan and ongoing motivation. Now I'm paying extra in my house, putting 15 % into retirement and saving cash for my next car. My life is so much better now. I can't imagine ever going back to living the old way! Thanks Dave!
I am debt free and emergency fund saved... Now I can breath... Based in U.K. and found Dave Ramsey about 2 years ago on You Tube. The best life education I've ever had! A life saver. Thank you
Yeah it’s crazy to realize how much money I actually make! I’m just amazed that I’m going to be able to meet some new financial goals 🙏🏼 it’s sad to see some of my peers who are just as capable- or more capable that are struggling!!! I wish they knew!!
My wife and I have been living on a budget since 1970. We retired wealthy but still budget and have more han enough to live well. We did not inherit our wealth, but I learned to save and make money from my father with his help and advice.
I used to spend money like crazy & be scared to check my account! But after watching Dave Ramsey for months & budgeting I’m more careful & pay more attention to my money! Budgeting changed my life!❤️
This is so true! I just made a budget two nights ago and I feel incredibly relieved and I haven't paid off a darn thing yet. But taking that first step to getting control of my financial life is therapeutic in itself. I'm actually looking forward to paying my next bills. I have so much hope now.
When I did my budget, I realized I’m missing 900 a month to pay my minimum payments and eat bean and rice.... now i have a second job to start my baby steps. I now feel powerful and excited about our future.
Thanks to budgeting and emergency fund we were able to replace broken washing machine and dishwasher - they went dead one after another. But what is much more important, we were able to fly home 2 thousand miles, when 2 people from our closest family were dying. We coudln't do it without budgeting. Thank you Dave and Rachel
I thought I earn less than my expenses for many months. Was too scared to write it down. When I finally made a budget I realised I can pay all the bills and still have £100-160 per week to spend on food and groceries and fuel. That was a relief.
This guy changed my family tree. Thank you Dave. Seriously. He always saids he didn't do anything. Yes he did. Remember folks. Personal Finance = 70% personality, 30% knowledge. Live like no one else!
Kit Carter I love how you say it's your favorite part of being paid. I love to hold my money in my hands when I am paid and divide it up in my little envelopes :-) it's so exciting! It makes me feel on top of the world :-) . Thank you all for being so nerdy. It is a pleasure to read what you say :-)
Jerahme Hopkins I've actually thought of setting up a way to tutor people on budgeting. I'm not sure the legalities of that, however, since I am not licensed.
From living paycheck to paycheck having "no" money at the end of the month, I now put over a thousand dollars in my savings account every single month. It's unbelievable, but true. 🤟🏽🤙🏽
Yes! When my husband got laid off last spring it was $&#@!!!! & I started constantly looking up budgetting on youtube. Since then we have paid off all of our credit cards of over $10,000 & are now working on student loans 🎉🎉❤ Good luck on everyone's journey!
I used to think I was "smart enough not to need a written budget." Wow, it's so empowering to have it written down. I finally feel like I am in control. Thank you.
I remember when I came home from church after a lesson about being responsible with the temporal blessing in our life. We just had our 1st baby and moved into our 1st home. I remember having that 1st freak-out moment when I realized formula and diapers put us out of our normal budget. I relaxed into the panic and made a plan. So it's important to remember to re-do your budget when big life changes happen.
I am new a listener and I am glad I finally listened to my sister after 2 years and started listening to Dave Ramsey and I have already achieved so much since . Thanks Dave
Started listening to Dave’s show 3 months ago, I’ve paid 5,000 towards my consumer debt already! Everyone can do it, try sticking with your budget as much as you can and get fired up!
Simple plan.....don't spend more than you have in cash....stay away from credit cards....keep your emergency fund stacked and fund it weekly even if it's $25. Stick to your budget and never let a family member or spouse talk you into getting off your plan. Then you're on your way to financial freedom.
I'm a nerd and have a notebook.I write down all my wants and needs on a chart. At the end of the month I sum up all my monthly expenses. Lol I still treat myself as long as it doesn't hurt my expenses. I've been doing this for a year and now it's a part of my life. At first it was awkward but now it's routine.
@@amandahaak5077 my bank stopped giving out check book registers so I bought some on line. Check my account every day on line and balance my check book. Keeps me on track and allows me to quickly spot any fraudulent charges.
Watching Dave's Rants this morning...These are so motivating and I feel like he's talking to me personally. I wish I could have had these realizations 10 years ago. Thanks Dave.
I hate being broke. Everything is way harder. Clean clothes means trips to a laundry mat. Groceries may mean calling an uber or sitting on a frozen highway when your car breaks down with no money for a tow. It's been quite some time that I lived like that but I'll never forget
Dave Ramsey is brilliant. My kids came home today and I sat them down and said you have £100 each for Christmas, decide what you want but I am not spending a pound over that, we have a budget. So guess what? They started using a calculator to write down what they can afford and decided to save the extra pennies. They are 8 & 9yrs old. Mate, this is my life now :)
Dave, I don't know if you still read comments on these old posts, but there's another benefit I've found to budgeting. I'm all of two weeks in on following your plan, and I can already tell a huge difference in my life. Even when I had my "head in the sand" regarding my debt, I knew it was still there. And even though I was trying desperately hard NOT to think about it, the situation was still a huge drain on my energy and my emotional wellbeing. I've started creating a budget this month, and while I can already see kinks to work out, I no longer FEEL like I'm drowning. I feel like I've started to doggy-paddle for the first time. I'm already making changes in how I run my household, not just financially. When you have a plan, you begin to feel a purpose. And when you have a purpose, you can look at your life clearly and see that you HAVE the power to make changes in all areas of your life, not just financially. So yes, please let people know that that extra time and work that people put into planning a budget will be repaid exponentially in more time and energy to address all areas of their lives. And please let them know that your financial wellbeing (or sickness, in my case) affects ALL areas of your life. A little bit of work pays all sorts of rewards.
So love your show, Dave! I'm starting to feel hopeful about my future again. It's been so encouraging paying things off and I saved my bank letter that said my car was paid off. Cannot wait to get the rest paid off! Thank God for giving us the DR show and using you to help people hear wisdom, sometimes for the first time. I'm currently working two jobs and can't wait to be on your show with the debt free scream one day! :)
My Beba Life I saved the paper I got from the bank saying no to me getting a line of credit because I wanted to add on to the carport. I felt so relieved when they said no :-) Actually, I was proud of God. They said I couldn't handle more debt (I only had debt on my mortgage) because my income was too small. I thought praise God who could help me, a single mom with 6 children, own a home. He's been so faithful and I've paid the house down to $25,000. Thank you, Jesus.
You'll get there My Beba Life! It does take time, self discipline, hard work and sacrifice, but ultimately in the end, IT WILL PAY OFF! I pray for the Lord to continue to bless you and if you're not currently married, your future husband's going to be getting a true, virtuous woman someday!
@Julie Satterfield, that is awesome! :)!! He has stopped me before making poor financial decisions too and I've found that the more I lean into Him and soak in what He has to say about money, the easier it's becoming. I still sometimes make poor choices, but am working towards financial freedom and it's amazing how it feels! Congratulations on paying your mortgage down to $25K! Keep going! You'll get there! :)! Congratulations!
MAN THAT HAPPENED TO ME !!! AND THE RELIEF OF TAKING OWNERSHIP OF THE WAY I HAVE BEEN THROWING MY MONEY AROUND. CHANGED MY LIFE. NOW... BUDGETS, ON PAPER MONTHLY. THANK YOU. WHAT FREEDOM
I laughed out loud when he said "whatever you budget for food you're wrong" That was EXACTLY what happened to me. My first month on a budget was a "Holy s### I spend THAT MUCH on food???!" experience.
I'm currently using every dollar app and I highly recommend it. It's awesome and sooooeasy to use. You think you didn't have enough money to pay off debts but once you have written your budget down it completely changed the way you spend it. Thanks Dave... forever grateful.... I'm using it religiously 🤗
I used to be a diddy bopper. I knew there was a problem, but it took me ages to realize that I was the problem. That’s my motto these days. I’m the problem. I’m a completely different person. Thank you Dave for being real, and giving the advice that you do. It’s so hard to articulate these days, but you do it well👏🏻👏🏻👏🏻
I just found you somehow....and I am addicted to your videos!! I shared with my 2 daughters to hopefully open their eyes. Thank you so much for all you do for everyone....PRICELESS!!!!!
I still use my register and check it against my statement online. I've actually come across some errors where I was charged twice for a purchase. I will check out Every Dollar.
I use a notebook so I can write more detailed notes down. My husband had a bad habit of asking me about a check months after the fact and I couldn’t recall all the details. Now I can. LoL
I’m a single mom who get me no help, and I’ve been feeling hopeless about my finances. So I sat down and wrote out a budget and plan for my debt. There will be a lot of beach bum days this summer and finding cheap and free things to do. I actually found a 200.00 bucks left a month over after paying my bills and saving for my retirement. I was always short and I found out why by just writing ✍️ everything down I found where my stupid was🙃
My wife still uses registers and I use the online register. Then every few days we sit down and compare. There have been a few times we have caught errors that recovered our funds that was. But then again we are those people who review our store receipts and catch errors there as well.
This is so true! I don't do prospective budgeting, but I track all my expenses and it's beautiful. Accurately tracking expenses is essential. It's great to look data from 5 years ago and see how much I was earning, spending, spending on what... it really puts things into perspective
You can do it man! Takes a few times to find out what budget works best for you. It's just great to see where all your money is going and make adjustments when necessary.
It is hard, I personally failed plenty of times at the beginning. Not taking stuff into account, impulse-buying stuff. But after a while you start getting better at it. Just like with any other activity, practice makes perfect.
I would not say budgeting is easy, but it became fun challenge for me after several month. I spend so little now that I often wonder if it is worth it, then I realized that at certain point it is not about how much I can save, it's about that I am totally immune to the wants for the rest of my life, which allows me to contribute more of my income to investment and have lower stress level when the next recession or financial crisis hits. Buying a ream of paper costs $9. With 10 min online search the same realm of paper becomes $1. Don't think it's a $8 difference, think that you can save further by not printing anything and therefore you save the whole $9. That's the fun I am talking about - people feel bored because they are not exercising their brain. By trying hard to save money you get the satisfaction from thinking. Eventually budgeting is just a template of spending behavior, instead of handcuffs.
I moved to the place I am at right now about 5 years ago. All my utilities doubled or trippled because I am out in the country. I "woke up" financially a couple weeks ago. Once I did my budget and started thinking about stuff, I realized that the extra money I was spending on utilities was not as bad as I had thought and the expense does not really impact my budget much. Its amazing the things we tell ourselves.
I do online banking and check my accounts, but I still use a physical paper check register! I thank God for you, Dave Ramsey! Because of FPU, I paid my condo off 7 years early and paid off $25,000 in credit card debt and paid of car all in 3years. Thank you and blessings!
Having an emergency fund is great. 5 years ago I had an issue where I was flying to Sao Paulo Brazil and while in Mexico city the people who gave me my boarding pass did not return my immigration papers which resulted in me missing my flight. Thanks to having an emergency fund I was able to buy a new plane ticket and keep going south for the winter. Thanks to the emergency fund I was spending my Christmas sweating on the beach with a margarita and coxinha while all my family and friends were freezing like ice cubes in Boston Ma.
Funny to think that you've helped multiple people in my life. Telling people to play it safe and do the right thing is virtuous all on it's own. Thank you for being consistent. Regardless of whether or not you practice what you preach.... Most of these behaviors are rewarding independent of your philosophy. Like understanding debt... Very rewarding to not have any debt whether you like Dave Ramsey or not.
Dave opened my eyes to how sloppy I was with money. I fell into the "must build my credit" lie and the lie that College would guarantee me a great job with great income. Both suckered me into having too big of a mountain to climb. Even got my mom an iPhone 7 through financing without giving it a second thought. But, now I'm climbing. Just paying off the credit card felt like getting a raise. Now I'm doing a budget the way Dave Ramsay lays out. It feels like another raise.
Love the show; have learned a lot. Wish people would take this great advice and change the attitude of "live for right now" and then complain why they are up to their eyeballs in debt. You can do it when you're in a better position. Take the time and sacrifice for a relatively short period of time. And never repeat what you did in the past.
I remember check books back when I was 18 years old I wrote down almost eveything before It helps track your spending back when I was single in college I did it mostly on my own besides the roof over my head really helped me not to live beyond my needs!
I’ve been doing detailed budgeting for 20 years (since i got a mortgage). But only since discovering Mr Ramsey have I gained the knowledge to know which direction to take my finances. Am now on Baby Step 2 and excited about the future. Thanks Dave 👍
I literally just did that yesterday...am that big a nerd...balancing my checkbook in the old school way. Am at the bank three times a week and ALWAYS ask for an updated balance on the transcript...I KNOW WHERE MY MONEY THAT I WORKED HARD FOR IS
Thank God I actually followed my budget. I had no idea how much money I was wasting.... budgeting revealed my relationship with money and how much of it I was using as a way to distract myself. So wasteful of the blessing of my income. I now value my money, I thank God for my ability to earn money, and treat my money with love, gratitude and awareness.
Holly Carver A house. Paying cash for a 200K house isn’t plausible for most people and the method Dave talks about is relatively unheard of. I love Dave but you do need credit for a home:
Just downloaded the app this week even though we’re halfway through the month. But it was easy and realized exactly what you said I was doing silly stuff instead of allocating money to where it will be helpful in case of emergencies or being prepared for what use to be unexpected car expense
Hahaha... This is a funny video I enjoyed watching. Sigh with a smile. I was working for a Lockheed subsidiary as an office worker. When I passed by the accounting department, I would see the accountants sometimes working with spreadsheet pads. This was about 1990, a few months into the new job, and I started paying attention to what everyone was doing. I looked at the pads we had in my stockroom office (I was the mail clerk in charge of office supplies for the company) and I saw how it was structured, and of course, the light bulb went off in my head. The great thing was, I did not have a "uh-oh" moment that prompted me to pick up this practice. No. When I saw the spreadsheet pad in my supply area, I realized the power it gave me to budget myself for each month. I got one and started using it for my person finances. I didn't have a computer anymore, as I had to sell it to pay bills. I would say that I was running my personal budget like this for about 3.5 years, and I got another computer just before I left the company and moved to another city (1994). I learned about the magic of a spreadsheet on a computer very shortly after my purchase. I used it for the rest of the 90s, and come 2000, I lost just about everything I had except for my computer, which was very outdated and unsaleable in those days. After my losses, I was in a fog, living on my disability income only and starting over afresh. I think I continued to use a spreadsheet to get back on my feet, as I remembered, "Okay, I have this much for this month, so this month, I need to get this for the apartment." Not want. Need. I was trying to rebuild my life as fast as my income would allow. I apparently stopped at some point, and then started using a spreadsheet again in 2006 after I had become financially literate and realized that I needed to use the practice again because I had gotten into gold/silver during the height of the housing boom right into the housing bust. I've been using a spreadsheet from that point on. 13 years. This is a wonderful skill to have! It allows you to see clearly what your income is, what your expenses are, and whether what you have left in your bank account and wallet really does match what's on paper or screen. It gives you the discipline to know exactly what you are left with at the end of the month AND help you decide what to do with this money, like investing or transitioning into the new month with the first due payment of the month. The discipline I have is such that if I lost a dime or a Rs. 1 coin when it rolled into a street drain, I would have to mark it down on my phone and then add the dime or the Rs. 1 to the account total for the month THAT DAY. Every single penny or rupiye is tracked this way.
What's a blessing, I give 10% plus a love offering plus an extra seed. That has caused honor with God. With Honor comes favor and blessings. I'm financially free
I noticed that when I was low on money I would always avoid looking at my bank account. I've been using the every dollar budget app for one month now and it's there first month I haven't run out of money before the end of the month.
Back to school season when everything gets marked down and you get to buy new pens and notebooks so you can budget on paper, make to do lists, and plan? Priceless!
That stress/heart rate excuse is actually conviction by the holy spirit to do what you know is right. There's a guilt and a dread about your unwillingness to comply that just bugs you till you do it. Thanks be to God.
What I say is that if it isn't written down, then it didn't happen. So if you have a "budget" but it's not all written out, then it's not a budget. I used to have panic attacks after my roommate moved out, wondering how I would pay my rent every month. Before, my income out spent my stupidity, but when your bills aren't split, it gets expensive. I had a "budget" but it wasn't written out. Finally, I got my act together and did Everydollar. And guess what? I found money. Not just money, but lots of money. Just spent on silly, trivial things. So I've got that all figured out.
Started watching Dave about 3 weeks ago..I went from $0 in savings...living paycheck to paycheck...to now having auto transfers to my Savings...written budget...and researching retirement funds. I feel like a completely different person these days. My friends think I've lost my mind bc im literally accounting for every dollar I spend now. Working on my emergency fund now....and being committed to "living like no one else"
Nicholette Moore way to go!!! How are you doing now ?
You go girl!!!! I’m with you I will see you on the other side my friend of debt free living and giving
Nicholette Moore awesome Nicolette. Congratulation & keep going!
Would love to get an Update 😊
Nicholette, you are AWESOME!
"90% of solving a problem is realizing there is one.".
My dad says the same thing, too...
I did my first-ever budget February 2019. I'm 41 years old. I make $5000 a month single no kids but could not see where my money was going until now. Lord have mercy. Food, eating out unnecessary expenses.. I'm so glad I started listening to this channel.
Yo what’s update? It’s been 4 years !
@@akbenyellesyou didn’t hear? He went broke sold his neighbors house and 3 dogs and now lives under a bridge off the highway.
Changed his name to Judy now he sells used nail clippings for expired soup cans.
Dave Ramsey is the best. I am a way underpaid social worker but was still able to get to steps four, five and six thanks to Dave's plan and ongoing motivation. Now I'm paying extra in my house, putting 15 % into retirement and saving cash for my next car. My life is so much better now. I can't imagine ever going back to living the old way! Thanks Dave!
You did awesome!
Adulting is hard in the beginning, but when you're responsible it is SO rewarding.
Is it the same with adultery?
@@Giorg189 sure 😂
@@Giorg189 the opposite
I am debt free and emergency fund saved... Now I can breath... Based in U.K. and found Dave Ramsey about 2 years ago on You Tube. The best life education I've ever had! A life saver. Thank you
So grateful I found Dave and started budgeting. I don't run out of money before payday any more. It's a miracle. 😉
Yeah it’s crazy to realize how much money I actually make! I’m just amazed that I’m going to be able to meet some new financial goals 🙏🏼 it’s sad to see some of my peers who are just as capable- or more capable that are struggling!!! I wish they knew!!
Yup, same here! 👍
I am happy with de blessings he shares with us
"The best thing that happen to broke people is when they realize they are broke people" - Dave Ramsey
I love writing out my budget the old fashion way. Been doing it since I was at least 18. Nothing beats a pen and paper imo.
Elizabeth Newns I agree 100 percent. I love pens. The prettier ones the better haha.
Elizabeth Newns
Me too.
Elizabeth Newns zero based budget pen and paper. Agreed it's the best method
Elizabeth Newns def. Feels better too.
I love going to the pen.
My wife and I have been living on a budget since 1970.
We retired wealthy but still budget and have more han enough to live well. We did not inherit our wealth, but I learned to save and make money from my father with his help and advice.
I used to spend money like crazy & be scared to check my account! But after watching Dave Ramsey for months & budgeting I’m more careful & pay more attention to my money! Budgeting changed my life!❤️
This is so true! I just made a budget two nights ago and I feel incredibly relieved and I haven't paid off a darn thing yet. But taking that first step to getting control of my financial life is therapeutic in itself. I'm actually looking forward to paying my next bills. I have so much hope now.
When I did my budget, I realized I’m missing 900 a month to pay my minimum payments and eat bean and rice.... now i have a second job to start my baby steps. I now feel powerful and excited about our future.
I came here because I needed Ramsey to yell at me.
Christian Torres Right
I second that
I'm with you Christian Torres, that's why I'm watching it too. I have been bad with my spending habits.
😂👏🏾
You masochist.
Me too. Hahaha.
Thanks to budgeting and emergency fund we were able to replace broken washing machine and dishwasher - they went dead one after another. But what is much more important, we were able to fly home 2 thousand miles, when 2 people from our closest family were dying. We coudln't do it without budgeting. Thank you Dave and Rachel
I thought I earn less than my expenses for many months. Was too scared to write it down. When I finally made a budget I realised I can pay all the bills and still have £100-160 per week to spend on food and groceries and fuel. That was a relief.
Thanks Uncle Dave. I'm forever indebted to you. I'm from South Africa. We respect those older than us as uncle or aunt(FYI)
This guy changed my family tree. Thank you Dave. Seriously. He always saids he didn't do anything. Yes he did. Remember folks. Personal Finance = 70% personality, 30% knowledge. Live like no one else!
I still write things down and I review my list every single day!
I find myself doing the same thing. Keeps me motivated to be debt free, hopefully in 6-7 years. Home and all.
I love to make my budget and divide my paycheck. One of my favorite parts about getting paid, actually... yeah, I'm that kind of nerd :)
Kit Carter me, too :-)
Kit Carter me too 🤓
Kit Carter I love how you say it's your favorite part of being paid. I love to hold my money in my hands when I am paid and divide it up in my little envelopes :-) it's so exciting! It makes me feel on top of the world :-) . Thank you all for being so nerdy. It is a pleasure to read what you say :-)
Kit Carter me too , I even have an annual budget ... Next year's is already done lol
Jerahme Hopkins I've actually thought of setting up a way to tutor people on budgeting. I'm not sure the legalities of that, however, since I am not licensed.
From living paycheck to paycheck having "no" money at the end of the month, I now put over a thousand dollars in my savings account every single month. It's unbelievable, but true. 🤟🏽🤙🏽
Might wanna look into investing half of that into a index fund or roth ira account. Rather then it just sitting there and not growing basically at all
@@f86tune48How do I get a Roth IRA or a index fund! I’m new to this!
Still doing well?
So encouraging! Having a budget has saved me so many times!
Yes! When my husband got laid off last spring it was $&#@!!!! & I started constantly looking up budgetting on youtube. Since then we have paid off all of our credit cards of over $10,000 & are now working on student loans 🎉🎉❤ Good luck on everyone's journey!
I used to think I was "smart enough not to need a written budget." Wow, it's so empowering to have it written down. I finally feel like I am in control. Thank you.
I remember when I came home from church after a lesson about being responsible with the temporal blessing in our life. We just had our 1st baby and moved into our 1st home. I remember having that 1st freak-out moment when I realized formula and diapers put us out of our normal budget. I relaxed into the panic and made a plan. So it's important to remember to re-do your budget when big life changes happen.
I am new a listener and I am glad I finally listened to my sister after 2 years and started listening to Dave Ramsey and I have already achieved so much since . Thanks Dave
Dave Ramsey is like my financial Daddy 🙌🏽
Started listening to Dave’s show 3 months ago, I’ve paid 5,000 towards my consumer debt already! Everyone can do it, try sticking with your budget as much as you can and get fired up!
Simple plan.....don't spend more than you have in cash....stay away from credit cards....keep your emergency fund stacked and fund it weekly even if it's $25. Stick to your budget and never let a family member or spouse talk you into getting off your plan. Then you're on your way to financial freedom.
I'm a nerd and have a notebook.I write down all my wants and needs on a chart. At the end of the month I sum up all my monthly expenses. Lol I still treat myself as long as it doesn't hurt my expenses. I've been doing this for a year and now it's a part of my life. At first it was awkward but now it's routine.
I still use registers in my check book and balance my check book the old fashioned way.
It keeps me on track.
I balance my check book too.
Same here!
@@amandahaak5077 my bank stopped giving out check book registers so I bought some on line. Check my account every day on line and balance my check book. Keeps me on track and allows me to quickly spot any fraudulent charges.
Me too🎉🎉🎉
Same here. ❤
Watching Dave's Rants this morning...These are so motivating and I feel like he's talking to me personally. I wish I could have had these realizations 10 years ago. Thanks Dave.
I hate being broke. Everything is way harder. Clean clothes means trips to a laundry mat. Groceries may mean calling an uber or sitting on a frozen highway when your car breaks down with no money for a tow. It's been quite some time that I lived like that but I'll never forget
I can't follow a budget, I just hate spending. I've been to many restaurants and malls but walked out just because I don't want to spend.
Dave Ramsey is brilliant. My kids came home today and I sat them down and said you have £100 each for Christmas, decide what you want but I am not spending a pound over that, we have a budget. So guess what? They started using a calculator to write down what they can afford and decided to save the extra pennies. They are 8 & 9yrs old. Mate, this is my life now :)
"Adulting" is real but with a plan in place it's exciting🙇♀️🙇♀️🙌🙌😎
22 turning 23. Job with almost completed Bachelors. On pace to paying off $22k in student loans this year with $3k pacing in savings. Thanks to Dave!!
Dave, I don't know if you still read comments on these old posts, but there's another benefit I've found to budgeting. I'm all of two weeks in on following your plan, and I can already tell a huge difference in my life. Even when I had my "head in the sand" regarding my debt, I knew it was still there. And even though I was trying desperately hard NOT to think about it, the situation was still a huge drain on my energy and my emotional wellbeing. I've started creating a budget this month, and while I can already see kinks to work out, I no longer FEEL like I'm drowning. I feel like I've started to doggy-paddle for the first time. I'm already making changes in how I run my household, not just financially. When you have a plan, you begin to feel a purpose. And when you have a purpose, you can look at your life clearly and see that you HAVE the power to make changes in all areas of your life, not just financially. So yes, please let people know that that extra time and work that people put into planning a budget will be repaid exponentially in more time and energy to address all areas of their lives. And please let them know that your financial wellbeing (or sickness, in my case) affects ALL areas of your life. A little bit of work pays all sorts of rewards.
So love your show, Dave! I'm starting to feel hopeful about my future again. It's been so encouraging paying things off and I saved my bank letter that said my car was paid off. Cannot wait to get the rest paid off! Thank God for giving us the DR show and using you to help people hear wisdom, sometimes for the first time. I'm currently working two jobs and can't wait to be on your show with the debt free scream one day! :)
My Beba Life I saved the paper I got from the bank saying no to me getting a line of credit because I wanted to add on to the carport. I felt so relieved when they said no :-) Actually, I was proud of God. They said I couldn't handle more debt (I only had debt on my mortgage) because my income was too small. I thought praise God who could help me, a single mom with 6 children, own a home. He's been so faithful and I've paid the house down to $25,000. Thank you, Jesus.
Julie Satterfield That's amazing. Your children are so lucky to have you. In Jesus name Amen.
Smileyyy21 Thank you Smileyyy21. God is the amazing One :-) the kindest most faithful Father... I still struggle but I'm on my way :-)
You'll get there My Beba Life! It does take time, self discipline, hard work and sacrifice, but ultimately in the end, IT WILL PAY OFF! I pray for the Lord to continue to bless you and if you're not currently married, your future husband's going to be getting a true, virtuous woman someday!
@Julie Satterfield, that is awesome! :)!! He has stopped me before making poor financial decisions too and I've found that the more I lean into Him and soak in what He has to say about money, the easier it's becoming. I still sometimes make poor choices, but am working towards financial freedom and it's amazing how it feels! Congratulations on paying your mortgage down to $25K! Keep going! You'll get there! :)! Congratulations!
Don’t buy a plane ticket to go to Aunt Henrietta’s funeral if you’re in debt. You should’ve seen her when she was alive!
Good point
I think that’s an emergency fund moment if she was a close family member.
MAN THAT HAPPENED TO ME !!! AND THE RELIEF OF TAKING OWNERSHIP OF THE WAY I HAVE BEEN THROWING MY MONEY AROUND. CHANGED MY LIFE. NOW... BUDGETS, ON PAPER MONTHLY. THANK YOU. WHAT FREEDOM
Thank you Dave... U are truly awesome, if ur family can carry ur legacy we are going to be gold
I laughed out loud when he said "whatever you budget for food you're wrong"
That was EXACTLY what happened to me. My first month on a budget was a "Holy s### I spend THAT MUCH on food???!" experience.
The 105 people who disliked this don't have a budget.
Written budget and the envelope method!! Literally changing my life right now!!!
This is very encouraging!
Dave Ramsey and this channel are a true blessing, I feel so connected and in control when I listen to your show!
I love my check book register, totally rely on it!
I'm currently using every dollar app and I highly recommend it. It's awesome and sooooeasy to use. You think you didn't have enough money to pay off debts but once you have written your budget down it completely changed the way you spend it. Thanks Dave... forever grateful.... I'm using it religiously 🤗
I stopped doing his 7 baby steps...like an idiot.......but I'm back on it.....and it feels good!!!
Sleepy Eyez Carter
💪🏻👏🏻👏🏻👏🏻🏆🥇
I flunked FPU... But got to go back to night school...
I used to be a diddy bopper. I knew there was a problem, but it took me ages to realize that I was the problem. That’s my motto these days. I’m the problem. I’m a completely different person. Thank you Dave for being real, and giving the advice that you do. It’s so hard to articulate these days, but you do it well👏🏻👏🏻👏🏻
I just found you somehow....and I am addicted to your videos!! I shared with my 2 daughters to hopefully open their eyes. Thank you so much for all you do for everyone....PRICELESS!!!!!
I still use my register and check it against my statement online. I've actually come across some errors where I was charged twice for a purchase. I will check out Every Dollar.
Do I remember checkbook registers? I still use them.
Me too
Im loving this! For the first time in my life i started a written budget since the start of this yr!
I laughed at "there's a problem"
Then you realize "I'M THE PROBLEM!!!"
I still use a register. Old school.
I use a notebook so I can write more detailed notes down. My husband had a bad habit of asking me about a check months after the fact and I couldn’t recall all the details. Now I can. LoL
Yep! I'm a nerd!!! I"m a big fan of Dave Ramsey! He changed my life!
I’m a single mom who get me no help, and I’ve been feeling hopeless about my finances. So I sat down and wrote out a budget and plan for my debt. There will be a lot of beach bum days this summer and finding cheap and free things to do. I actually found a 200.00 bucks left a month over after paying my bills and saving for my retirement. I was always short and I found out why by just writing ✍️ everything down I found where my stupid was🙃
My wife still uses registers and I use the online register. Then every few days we sit down and compare. There have been a few times we have caught errors that recovered our funds that was. But then again we are those people who review our store receipts and catch errors there as well.
"I'm adulting!!" 😂😂😂 I always thought that was a funny word lol
This is so true! I don't do prospective budgeting, but I track all my expenses and it's beautiful. Accurately tracking expenses is essential. It's great to look data from 5 years ago and see how much I was earning, spending, spending on what... it really puts things into perspective
It's hard to keep to a budget so much wants vs needs but I will try to stick to a budget
You can do it man! Takes a few times to find out what budget works best for you. It's just great to see where all your money is going and make adjustments when necessary.
It is hard, I personally failed plenty of times at the beginning. Not taking stuff into account, impulse-buying stuff. But after a while you start getting better at it. Just like with any other activity, practice makes perfect.
I would not say budgeting is easy, but it became fun challenge for me after several month. I spend so little now that I often wonder if it is worth it, then I realized that at certain point it is not about how much I can save, it's about that I am totally immune to the wants for the rest of my life, which allows me to contribute more of my income to investment and have lower stress level when the next recession or financial crisis hits.
Buying a ream of paper costs $9. With 10 min online search the same realm of paper becomes $1. Don't think it's a $8 difference, think that you can save further by not printing anything and therefore you save the whole $9. That's the fun I am talking about - people feel bored because they are not exercising their brain. By trying hard to save money you get the satisfaction from thinking. Eventually budgeting is just a template of spending behavior, instead of handcuffs.
jman96camry sometimes you can fit a "want" in your budget. Just gotta make room for it!
try gift cards
I moved to the place I am at right now about 5 years ago. All my utilities doubled or trippled because I am out in the country. I "woke up" financially a couple weeks ago. Once I did my budget and started thinking about stuff, I realized that the extra money I was spending on utilities was not as bad as I had thought and the expense does not really impact my budget much. Its amazing the things we tell ourselves.
When i get my paycheck i add up my grocery money and write grocery,utilities ,savings, etc i tell my money what its going to do
I do online banking and check my accounts, but I still use a physical paper check register! I thank God for you, Dave Ramsey! Because of FPU, I paid my condo off 7 years early and paid off $25,000 in credit card debt and paid of car all in 3years. Thank you and blessings!
Having an emergency fund is great. 5 years ago I had an issue where I was flying to Sao Paulo Brazil and while in Mexico city the people who gave me my boarding pass did not return my immigration papers which resulted in me missing my flight. Thanks to having an emergency fund I was able to buy a new plane ticket and keep going south for the winter. Thanks to the emergency fund I was spending my Christmas sweating on the beach with a margarita and coxinha while all my family and friends were freezing like ice cubes in Boston Ma.
Funny to think that you've helped multiple people in my life. Telling people to play it safe and do the right thing is virtuous all on it's own. Thank you for being consistent.
Regardless of whether or not you practice what you preach.... Most of these behaviors are rewarding independent of your philosophy. Like understanding debt... Very rewarding to not have any debt whether you like Dave Ramsey or not.
Being good at explaining common sense is an important job. Always has been. I have always had respect for people who save people from themselves. 💛
We are each other's keepers whether we like it or not.
Dave opened my eyes to how sloppy I was with money. I fell into the "must build my credit" lie and the lie that College would guarantee me a great job with great income. Both suckered me into having too big of a mountain to climb. Even got my mom an iPhone 7 through financing without giving it a second thought. But, now I'm climbing. Just paying off the credit card felt like getting a raise. Now I'm doing a budget the way Dave Ramsay lays out. It feels like another raise.
Thanks a lot for your efforts to educate.. really appreciate it
All you say is totally true and absolutely right !!!
Dave I am a paper planner person! I am trying the every dollar app but I am still having to use paper along with it! Love the app though
I still use a checkbook register.
I do too . I went to the bank and asked for a couple. Someone had no idea what it was 🤔 "can you describe what it is?". Lol
I just ordered new checks I didn't need just to get another register....
Love the show; have learned a lot. Wish people would take this great advice and change the attitude of "live for right now" and then complain why they are up to their eyeballs in debt. You can do it when you're in a better position. Take the time and sacrifice for a relatively short period of time. And never repeat what you did in the past.
I remember check books back when I was 18 years old I wrote down almost eveything before It helps track your spending back when I was single in college I did it mostly on my own besides the roof over my head really helped me not to live beyond my needs!
I’ve been doing detailed budgeting for 20 years (since i got a mortgage). But only since discovering Mr Ramsey have I gained the knowledge to know which direction to take my finances. Am now on Baby Step 2 and excited about the future. Thanks Dave 👍
Your videos are now my personal consultations with a financial planner!
I still do my checkbook this way. Helps me keep better discipline with our money.
So glad i found you dave 👏😥
I literally just did that yesterday...am that big a nerd...balancing my checkbook in the old school way. Am at the bank three times a week and ALWAYS ask for an updated balance on the transcript...I KNOW WHERE MY MONEY THAT I WORKED HARD FOR IS
Thank God I actually followed my budget. I had no idea how much money I was wasting.... budgeting revealed my relationship with money and how much of it I was using as a way to distract myself. So wasteful of the blessing of my income. I now value my money, I thank God for my ability to earn money, and treat my money with love, gratitude and awareness.
Your advice is great. Can you please do a video on how to handle debt in collections, to improve a bad credit score. Thank you
B. Davis he would say “why do you need a credit score if you don’t need to borrow”
Holly Carver A house. Paying cash for a 200K house isn’t plausible for most people and the method Dave talks about is relatively unheard of. I love Dave but you do need credit for a home:
@@Holeyeful Dave shows how to purchase a new home and with whom without Credit.
This is wonderful guys never too late to discipline
Absolutely. It only takes that one moment.
Ty for down to earth videos.
Just downloaded the app this week even though we’re halfway through the month. But it was easy and realized exactly what you said I was doing silly stuff instead of allocating money to where it will be helpful in case of emergencies or being prepared for what use to be unexpected car expense
Hahaha... This is a funny video I enjoyed watching. Sigh with a smile. I was working for a Lockheed subsidiary as an office worker. When I passed by the accounting department, I would see the accountants sometimes working with spreadsheet pads. This was about 1990, a few months into the new job, and I started paying attention to what everyone was doing. I looked at the pads we had in my stockroom office (I was the mail clerk in charge of office supplies for the company) and I saw how it was structured, and of course, the light bulb went off in my head. The great thing was, I did not have a "uh-oh" moment that prompted me to pick up this practice. No. When I saw the spreadsheet pad in my supply area, I realized the power it gave me to budget myself for each month.
I got one and started using it for my person finances. I didn't have a computer anymore, as I had to sell it to pay bills. I would say that I was running my personal budget like this for about 3.5 years, and I got another computer just before I left the company and moved to another city (1994). I learned about the magic of a spreadsheet on a computer very shortly after my purchase. I used it for the rest of the 90s, and come 2000, I lost just about everything I had except for my computer, which was very outdated and unsaleable in those days.
After my losses, I was in a fog, living on my disability income only and starting over afresh. I think I continued to use a spreadsheet to get back on my feet, as I remembered, "Okay, I have this much for this month, so this month, I need to get this for the apartment." Not want. Need. I was trying to rebuild my life as fast as my income would allow. I apparently stopped at some point, and then started using a spreadsheet again in 2006 after I had become financially literate and realized that I needed to use the practice again because I had gotten into gold/silver during the height of the housing boom right into the housing bust. I've been using a spreadsheet from that point on. 13 years.
This is a wonderful skill to have! It allows you to see clearly what your income is, what your expenses are, and whether what you have left in your bank account and wallet really does match what's on paper or screen. It gives you the discipline to know exactly what you are left with at the end of the month AND help you decide what to do with this money, like investing or transitioning into the new month with the first due payment of the month. The discipline I have is such that if I lost a dime or a Rs. 1 coin when it rolled into a street drain, I would have to mark it down on my phone and then add the dime or the Rs. 1 to the account total for the month THAT DAY. Every single penny or rupiye is tracked this way.
What's a blessing, I give 10% plus a love offering plus an extra seed. That has caused honor with God. With Honor comes favor and blessings. I'm financially free
Yuk
How??
I noticed that when I was low on money I would always avoid looking at my bank account. I've been using the every dollar budget app for one month now and it's there first month I haven't run out of money before the end of the month.
Best advice ever.
Budgeting was one of the hardest concept for me to grasp at first but fast forward to today and I have money in case anything comes my way.
It's all about visualizing it! A nebulous problem is not one you can reasonably tackle!
Adulting is hard though.....
Clint Rosendall but it is worth it 😁😁
Ok boomer
Deciding to adult is the hardest part
Yep, it's hard, but it's worth the struggle, especially in the long run.
You crack me up ! Truth !!
Back to school season when everything gets marked down and you get to buy new pens and notebooks so you can budget on paper, make to do lists, and plan? Priceless!
That stress/heart rate excuse is actually conviction by the holy spirit to do what you know is right. There's a guilt and a dread about your unwillingness to comply that just bugs you till you do it. Thanks be to God.
I’m finally Adulting, take responsibility, creating a plan, and executing!
My budget is too simple to write down.
Pension $2400.
Work pay $450- $450
-300 Rent
-320 Food
-50 iPhone
THANK YOU DAVE. YOUR THE BEST!!!
What I say is that if it isn't written down, then it didn't happen. So if you have a "budget" but it's not all written out, then it's not a budget. I used to have panic attacks after my roommate moved out, wondering how I would pay my rent every month. Before, my income out spent my stupidity, but when your bills aren't split, it gets expensive. I had a "budget" but it wasn't written out. Finally, I got my act together and did Everydollar. And guess what? I found money. Not just money, but lots of money. Just spent on silly, trivial things. So I've got that all figured out.