The Blessing Of Budgeting - Dave Ramsey Rant

[@Thaurbanwife]

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"

[@geomartinez4381]

Nicholette Moore way to go!!! How are you doing now ?

[@ThePrimebarbie]

You go girl!!!! I’m with you I will see you on the other side my friend of debt free living and giving

[@annettecaitlyn1058]

Nicholette Moore awesome Nicolette. Congratulation & keep going!

[@Fiebi95]

Would love to get an Update 😊

[@jomontanee]

Nicholette, you are AWESOME!

[@tthomaselli2]

"90% of solving a problem is realizing there is one.". My dad says the same thing, too...

[@thegreencleancrew2818]

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.

[@akbenyelles]

Yo what’s update? It’s been 4 years !

[@TheHouseOffice]

Adulting is hard in the beginning, but when you're responsible it is SO rewarding.

[@Giorg189]

Is it the same with adultery?

[@joshuamast5128]

@@Giorg189 sure 😂

[@heartquaked]

So grateful I found Dave and started budgeting. I don't run out of money before payday any more. It's a miracle. 😉

[@happyglowup7736]

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!!

[@suziq4ever]

Yup, same here! 👍

[@godfred7146]

I am happy with de blessings he shares with us

[@grzegorz16100]

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.

[@davidletasi3322]

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.

[@Edbeatty91]

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!

[@fpl_bailey]

"The best thing that happen to broke people is when they realize they are broke people" - Dave Ramsey

[@wrenchguy2937]

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!

[@christiantorres8858]

I came here because I needed Ramsey to yell at me.

[@TheKrystolMethod]

Christian Torres Right

[@janisadams4430]

I second that

[@dealafi9538]

I'm with you Christian Torres, that's why I'm watching it too. I have been bad with my spending habits.

[@kalumaseka5141]

😂👏🏾

[@jomontanee]

You masochist. Me too. Hahaha.

[@babywcboo]

I still write things down and I review my list every single day!

[@luciogutierrezjr2452]

I find myself doing the same thing. Keeps me motivated to be debt free, hopefully in 6-7 years. Home and all.

[@theaccentedguy1505]

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)

[@freedominabudget]

So encouraging! Having a budget has saved me so many times!

[@theaccentedguy1505]

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. 🤟🏽🤙🏽

[@f86tune48]

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

[@JohnJones-jj7jw]

@@f86tune48How do I get a Roth IRA or a index fund! I’m new to this!

[@louisiorfida7623]

Still doing well?

[@Annointedxx]

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 :)

[@RandallHallKaizenReiki]

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.

[@Smileyyy21]

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.

[@livingbeyondtoday3861]

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!

[@Ethiodawg]

Dave Ramsey is like my financial Daddy 🙌🏽

[@Lady.Luck.]

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

[@Ghanaba23]

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.

[@Maxdouble07]

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.

[@craigslistoceanside8677]

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!

[@thecurrentmoment]

Good point

[@dukesavage2552]

I think that’s an emergency fund moment if she was a close family member.

[@Alicia-K]

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! :)

[@juliesatterfield7004]

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.

[@Smileyyy21]

Julie Satterfield That's amazing. Your children are so lucky to have you. In Jesus name Amen.

[@juliesatterfield7004]

Smileyyy21 Thank you Smileyyy21. God is the amazing One :-) the kindest most faithful Father... I still struggle but I'm on my way :-)

[@zachallen8653]

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!

[@Alicia-K]

@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!

[@jdtreharne]

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.

[@euginia_mathapelo]

"Adulting" is real but with a plan in place it's exciting🙇‍♀️🙇‍♀️🙌🙌😎

[@kzamora2548]

The 105 people who disliked this don't have a budget.

[@mountiescorner]

I laughed at "there's a problem" Then you realize "I'M THE PROBLEM!!!"

[@swhitman6]

Do I remember checkbook registers? I still use them.

[@Miss_Dani_DWhit]

Me too

[@justinnunez7318]

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!!

[@tngtease]

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.

[@mhariaghracie6921]

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 🤗

[@jovantrail6142]

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

[@BriLoveMusic]

"I'm adulting!!" 😂😂😂 I always thought that was a funny word lol

[@paragua79za]

Thank you Dave... U are truly awesome, if ur family can carry ur legacy we are going to be gold

[@shanellshields4564]

I still use a register. Old school.

[@theayegerlehner7793]

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

[@NormalGuyEDC]

I still use a checkbook register.

[@Erica-nh4fq]

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

[@juliesatterfield7004]

I just ordered new checks I didn't need just to get another register....

[@CraigsCuts]

Dave Ramsey and this channel are a true blessing, I feel so connected and in control when I listen to your show!

[@jman96camry]

It's hard to keep to a budget so much wants vs needs but I will try to stick to a budget

[@bradleymaravalli2851]

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.

[@dasmesser1]

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.

[@ibmtpx24]

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.

[@heartquaked]

jman96camry sometimes you can fit a "want" in your budget. Just gotta make room for it!

[@Justin_Beaver564]

try gift cards

[@KTSpeedruns]

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.

[@k.c.6464]

I love my check book register, totally rely on it!

[@kma7567]

This is very encouraging!

[@yellowannie22]

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

[@joycebrower8822]

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!

[@patriciaschexnaildre336]

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!!!!!

[@Dexter123a]

Yep! I'm a nerd!!! I"m a big fan of Dave Ramsey! He changed my life!

[@Ed_Gein_crafts]

Finding out about budgeting and how not to be in debt at age 32 Hope it’s not too late to start I thought I had it all together as an “adult” so long as I had money to spend on meals out It took me breaking both legs and being out of work for four months to realize I had nothing together and no safety net Glad I stumbled across this video today and been learning as much as I can . I hope someday I can pay off all my debts and one day get a little house with a clothes line and a garden 🪴

[@ambition1911]

You can and you will get that house. And of course it’s not to late!

[@1Letter23Numbers.]

**wakes up on payday at 5 am to pay bills and allocate funds. Gets excited balancing her checkbook.** 😁 I'm that nerd. I still do it on paper and in Excel. I'm old school.

[@daniellamoreno3616]

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!

[@TheRisky9]

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.

[@RobMidlife]

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 👍

[@GregTrumbold1]

I still do my checkbook this way. Helps me keep better discipline with our money.

[@kiasmith1006]

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

[@mlolvera91]

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👏🏻👏🏻👏🏻

[@cjstangman]

Adulting is hard though.....

[@fpl_bailey]

Clint Rosendall but it is worth it 😁😁

[@TRUYORK718]

Ok boomer

[@thecurrentmoment]

Deciding to adult is the hardest part

[@alisagraham6513]

Yep, it's hard, but it's worth the struggle, especially in the long run.

[@AmyPeacemaker]

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.

[@MCPlatinum-MCP829]

I had that moment & I felt sick to my stomach realizing what I was doing to my future. I'm on track now because of that moment. I'm about to finish baby step 3 in 1 month. I'm 20 and i still regret not starting earlier

[@bdavis6450]

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

[@Holeyeful]

B. Davis he would say “why do you need a credit score if you don’t need to borrow”

[@yeahisaidit6184]

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:

[@KG0737]

@@Holeyeful Dave shows how to purchase a new home and with whom without Credit.

[@manwork6545]

All you say is totally true and absolutely right !!!

[@starrstatus9341]

Your videos are now my personal consultations with a financial planner!

[@dixiegirl999]

I love using EveryDollar. It's just easier for me when I only enter my bills & expenses weekly. Then whatever I have leftover goes toward my debt.

[@sriyasuraweera4824]

This is wonderful guys never too late to discipline

[@krisduboise276]

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.

[@krisduboise276]

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. 💛

[@krisduboise276]

We are each other's keepers whether we like it or not.

[@Tcgrande77]

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.

[@JulietCate82]

I am happy to share that 70% of my year-end performance bonus from work is now deposited to a new savings account for my emergency fund. Thank you, Dave and team!

[@eviaburgos3819]

Thankfully yesterday I finally did my budget and yup I got a raise! Now I can pay bills off and save money again.

[@stephanieellison5668]

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.

[@MissionUber]

Without a budget, even spending one dollar is stressful! I went to Denver and spent $300. I came back feeling like a failure. I am documenting my journey out of debt on my KZbin channel and that's part of the process, learning how to budget!

[@illakelsin9055]

So glad i found you dave 👏😥

[@peachhipgirl75]

I write the budget down on paper every check. I fill out Dave’s budget sheets biweekly. Also, I fill out a sheet with multiple paycheck dates for the entire month and all the bills due that month. I use multiple highlighters for that sheet. Then I have a master sheet with all the bills that are due and the dates that they are due. That is the keeper page. We have one car payment left then we are out of debt. Everything else due is expenses like internet, phone, water, etc.

[@evelynsierra5775]

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

[@markd6838]

Yuk

[@SwagLifeSeries]

How??

[@CowgirlUpTrucking]

In 2022 my Mom still fills them out as well as mine. I’m a OTR truck driver and my Mom is on my acct and helps me pay bills while I’m out on the road for weeks at a time.

[@theemingerfamily3831]

Literally haven't done a budget in 2 months and all a sudden we were freaked out. Once we did the budget we felt so relieved...this is too true

[@mdexperience2011]

I still use a check register!! Cant break away from it. I do this daily!!

[@savemoneylivebetterinvest4795]

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.

[@angelaterrell4443]

I’m finally Adulting, take responsibility, creating a plan, and executing!

[@BingusKingus]

Thanks a lot for your efforts to educate.. really appreciate it

[@mr5timewcwchamp]

Just did my budget, realized I had $150/month worth of subscriptions I didn't use. Also realized I have ALOT more available than I thought I did. Makes a big difference

[@RBbutterfly]

I still do use a physical paper check register with the online bank statement:) helps me keep condole instead of wondering how $50 turned into $5 .

[@michaelmason2128]

I use a exell spreadsheet that I created to follow my spending. It gives a total spent in each category.

[@chrismel1986]

Thankful that i am living frugal even there was no youtube or video like this before, i always have limit for my personal and family expenses monthly, but watching videos like these are always a reminder for me not to forget what i was doing, btw my goal in budgeting and investing is to retire early and to spend more time with my kids not worrying about finances. Thanks God!

[@lunganikhubone2595]

Best advice ever.

[@OatPancake]

I know how to adult as much as I know how to fly a plane.

[@stephaniejane306]

Just like a plane you can learn to be good with money! You can do it!! 😀👍

[@hanaasiraj3225]

i sure hope your a pilot

[@mmi8604]

I am in South African, every time when I spend money I think about this guy. I sometimes turn back from a store with nothing and think that, this is not how I initially decided to spend my money.

[@smarteranna24]

Yes Dave the oh no moment hits hard when you wake up lol

[@andloufinrobinson129]

Dave please set up EveryDollar for UK folks! EveryPound? So inspirational and helping me take control. Peace and blessings!

[@tinaannvyze7966]

Wish we had that in England

[@TIG2MAN0]

i just installed every dollar. Thanks for helping me out man.

[@heather73745]

I still use the register! I'm in my mid thirties and it's the best way for me to keep from overspending. I don't think I'll ever get away from it 🤣

[@JohnJones-jj7jw]

I’m taking full responsibilities of my actions. Enough is enough with my money. I’m going to tell my money what to do. I’m 39 I just hope it’s not too late.

[@MikaNTey]

I prefer the paper method, and IM A GROWN UP. Apps are not rewarding for everyone. Find what works for you.

[@khiemle1267]

Ty for down to earth videos.

[@lorrainehenry9240]

Every dollar gave me hope and took away my anxiety because I had a plan and a reason to do it. I could see my way forward on my current income without the panic I used to feel. Am currently getting my adult kids set up on it so they can see a bright future too.

[@MAJESTY1962]

I call the budgeting process my weekly banking. Works great!

[@johndhawley4549]

I'm unable to access this app unfortunately. I live in Canada and have recently found Dave Ramsey and his teachings, definitely still gonna piece together a budget.

[@kikihowe4799]

JohnD Hawley this is available in Canada ...I have it .

[@dessy844]

2:42 Dave sounds so much like Mrs Doubtfire 😂😂😂

[@theresaford9583]

I still use checks and a check book ledger 😁. Don't judge me, I'm never in the red

[@zandermeza4150]

THANK YOU DAVE. YOUR THE BEST!!!

[@nangray56]

I still keep an accounting book & get to see copies of my cleared checks.