How Do I Make A Budget And Stick To It?

Not one person in America had a credit card before 1975 …. Please confirm. Now with the new era of shopping Online it is a double whammy… where even your 14 year olds are being marketed to by Temu and such. “Parent be aware.”

The hard part is tracking it everytime you spend a single penny. You have to continuously be in touch with your budget and where youre at for each category. I need to find an app that gives me notifications when im spending too much.

I changed how I looked at budgeting as Ramsey said I looked at it as a straight jacket instead of like controlling a pitbull on a short leash and I'm terrible at spending like I get paid on Wednesday on a bi weekly and by the time its the weekend the money is already gone and I have budget a little and I have 155 left since right now I haven't paid the car and insurance yet but I do have to get parts for my car which I'm going to use the leftover since I don't have an emergency fund which I'm going to start

Such good advice for people new to it! It's not a punishment, it is for YOU! 👏

You have to give each dollar in your budget a job, from all the new jobs you keep learning about, and all the dollars you keep making.

Just like Dave I started my budget off by saying I’m going to spend 3,000 on entertainment. I only Make 800.. now I’m in debt and have drug cartels after me. Am I doing this wrong or? ..

Live in a cardboard box for 40 years so you can be a millionaire the last 10 years of life.
What. A. Waste!

What made the most progress for me is figuring out how much I need to survive every month. My yearly income is over 81,000 dollars a year but I can survive off 43,920 so around 915 a month. So no matter how much I make as long as I have 915 at least that’s all I have access to. It built my savings fast and gives me a lot of ammunition to shoot at my debt

How do you plan for everything including stuff that isn't monthly but it's more or less every 2-3 months or like every 6 months, like do you have separate budgets for different amounts of time?

Until you are free from debt, I don’t think you should even consider eating out at restaurants where a tip is expected.
Waste Not, Want Not
I do not believe it will ever benefit you to waste even a single molecule of food. And I think it might behoove you to research how to cook and prepare insects commonly found around your house.
There are many many slick and sly crooks and con artists who broadcast advertisements in which the product is not what they’re actually selling. Instead, they are trained to trick you into signing very dangerous long term high interest financial contracts.

he makes my insides cream :)

You people are satanic and pathetic

After being pointed here from a co-worker who said its great I'm sorry but the fact that 90 percent of the people hearing this thinks he's talking like a money wizard makes me sad for most Americans with regular income folks if you have not heard just about everything he has to say your parents failed you.

I found this very polite guy names Ricchdawg and he gave me a valid cc am very happy to have a business with him go for him guys I bet you not gonna regret having business with him ♥️♥️✔️✔️

Awesome video, I am 35 and I want to start my retirement and other investments, I hope to retire early. The thing is, I am new here and really do not know much. How do I begin? who do I need to talk to?

Very helpful, in theory. I'm going to try.

Something I said to my wife 20+ years ago: "A budget tells you what you CAN do...not what you CAN'T ".

sticking to it is the hard part.

Thanks Dave. You make it practical for us and easy to follow

I have low iq that why I don't get it ojk

Great description of a budget. Life has many unexpected expenses and things to plan for.

I’ve always told myself I’ll start a budget but never have until I payed off all of my cards and it was 1000 total this month. I am not in any debt at all, and half of that was an airplane ticket which was necessary, but I was like geez that’s crazy that I just spent that much money

Still didn't mention how to SAVE and be truly frugal, how to CUT expenses aggressively and properly.

W

todays sacrifice for tomorrows bennfit.

Hi i have not been able to get a job yet so i did the next best thing budget my babies dad budget yup he hated me for that all summer but it was sooooo worth it. Thank to my stubborness our relationship is starting to get better and summer was more of a family thing not so much a gadget and became better parents. Now kids are back in school and i only ask you to please pray that my application is expected in the job that God wants me to be.

Adulting 101

How to stick to it, that's the question, nice video.

I call my budget the "FPS" - Financial Planning System.

Everything goes through the FPS.

Money incoming, money outgoing, mortgage payment, mortgage overpayments, mortgage debt level, food, fuel, MPG performance, bills, water, gas and electricity usage - everything is monitored on a weekly basis.

It looks over the top, but it feels great to be in control.

This was so good ty

instead of drinking a third cup of coffee i will drink tea which is cheaper than coffee for the third cup. Tea prepared at home can cost as low as five cents per cup. Coffee, on the other hand, can cost around 16 cents per cup when made at home. The same price difference is seen when buying a cup at a cafe, coffee is always more expensive.

Better then I deserve is an incredible answer to the question “how are you”

Sent here by one of you Subbie!

People that want to become debt-free need to look at the long-term not the short -term. You need dedication and strength. Because you got yourself into the situation, you have to get yourself out of it by changing your habits.

Good advice!

I am learning to tell myself When I go to the supermaket that I cannot afford to go over my budget...sometimes is quite hard...alot great foods like snacks have to say no..cannot afford it..

How am I supposed to stay on budget when my wife out cheaten

Good advice but didn't really answer the guy's question.

Love you Dave Ramsey thanks for the straight up real talk your changing life and inspiring people to change you are someone I enjoy listening to and look up to sir Thank you so much!

Thank you! ✨💕📈🛩

I just spent 2k this month on just eating out. That's why I'm here

I just checked how much I spend on grocery from bank statements and I wanna cry lol

Am here for school

Nice Tommy Chong impression at the end lol.

Gosh... I feel so stupid, I for sure have been like “this shirt is on sell” . When he said that he got me. I have to stop being dumb with my money.

i love his answer insted of selling him program he help him out

The good thing about being an extreme cheap skate is that I don't need to budget because I already know I'm spending the absolute minimum on everything and I never buy anything that I don't need.

Cash envelopes = life changing! It might not be the prettiest (although I take great pride in mine!), but they help me achieve my goals!

step 1: have a baby