How Do I Make A Budget And Stick To It?
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- Опубликовано: 13 фев 2020
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@@izabellaadriana4548 e332332 w 3
I guess im asking randomly but does anyone know of a tool to get back into an instagram account?
I was stupid forgot my password. I love any tips you can offer me
@Caleb Anderson instablaster :)
I just spent 2k this month on just eating out. That's why I'm here
God damn, must’ve not gotten any nuggets
I spent 400 and thought I did a lot.
@@preciousjewel8333ikr😂
We respect the hustle.
@Charliechorizo I have 4 children and a wife that works out alot, so we go through some food
"A budget is permission to spend" I love that
Ask Believe Receive Agreed!
@@Erika2 Beautiful!!!!
"Everyone has a limit on everything, a budget is just admitting it. 'Cuz no one has infinite money"
Love it! So many people think making a budget means being an extreme penny pincher, but really it's about making a plan for your money.
Your rich
So true I need to understand this point right here!
We started with a budget at the beginning of the year. We saw instant results. 6 weeks in and we are trying to figure out what took us so long? 6 weeks in we have our emergency fund and 2 loans pd off and 3rd almost pd off. We should be debt free (except for mortgage) by the end of summer. Thanks Dave!!
Wow that’s amazing!! Congrats
Hi! This is great! Big believer in budgets here :) you guys still working on it? What’s your current progress?
Your rich
Update?👀
👏🏾👏🏾👏🏾good work
Thank God for RUclips. Dave Ramsey is teaching financial discipline to the whole world. Thanks from Kenya.
Geoffrey Mungai Thank Chad Hurley Co-Founder of RUclips.
@@Kp-cb8pq thank the adverts which the uploader will reap the cash from
@@Natashahoneypot Sorry, but if I have to hear about how the world’s most boring guy is obsessed with belts or what it takes to be a Shen Yum dancer one more time I’m going to stab myself in the eye. And the volume of ads for St Jude’s Children’s Hospital is so high that it’s moved me well beyond the certainty of never donating to St Jude’s and into the realm of trying to figure out how to donate to an organization that is actively working against them. I feel bad about myself as a human just typical that; how malignant does the RUclips advertising algorithm have to be to get me to this point?
Yeah!! I am from India and Dave Ramsey turned my life around!!!
Mungai we have to learn financial discipline especially with the current economic state of our country. Dave's lessons are really helpful 🇰🇪🇰🇪.
Baby steps. Ease into it. I started off with limiting my food intake to 2 meals a day. Then eventually i did one. Now I'm doing zero. Trust the process. You can do it!
CB That doesn’t sound healthy lol.
When are you going to make the big transition into negative amounts?
Why would you not eat, that’s so dumb lol. You’re trying to lose weight by not eating? Sure that will work now, but what about 6mo from now, you’re just going to not eat? Guys doing diet like this
😂 it’s even funnier that people take this joke seriously
Why spend money on a gym when you can starve yourself to your health goals lol
I just redid my budget so I can pay off my next card in April instead of July. My third should be done by October. Watching these videos constantly helps keep me motivated 🤗
Creating a budget is such a weakness of mine... I love Dave's description of it being a guide, not a straight jacket.
It's a general plan so you can make goals for yourself and your family.
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.
Cash envelopes = life changing! It might not be the prettiest (although I take great pride in mine!), but they help me achieve my goals!
They sell these on Amazon In different colors.
We do sit down dinners just us sometimes at home. Always family ones but sometimes we turn music on, cook, and make the table, set out the good dishes and have a good time. Kids enjoy watching and seeing us enjoy each other's time and make what we have at home special for each other. That is our budget date night and quarter pool tables. Other times we do the same for family night.
U would be surprised how the simplest thing can be the hardest thing to do for some ppl
Simple and easy are not the same thing.
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.
It's always that first step, in taking charge of your finances, that seems difficult, but once you get past that, it will get easier! Great advice, Dave!
it's always that first hurdle thats the toughest to break, but like you said once you're past that, it will get easier!
yeah it's always that first hurdle thats the biggest challenge, but once you get past that, it will get easier!
I just checked how much I spend on grocery from bank statements and I wanna cry lol
Better then I deserve is an incredible answer to the question “how are you”
Yes I uses it now
My wife and I personally setup a budget and we’ll update our expense sheet on a weekly basis to make sure we’re on pace to hit our monthly goal. If we see that we spent too much on our entertainment and only have a certain amount left to spend, we make sure to scale back on that in the current week. Small goals help reach long term goals. Also, we make sure to over exaggerate what we could possibly spend by adding more money what we can spend in certain categories like gas, so when we under spend in that category, that’s more for savings or investments.
Josh Anderson Financially Fit 🙌
Me too - but biweekly!
to be able to stick to it Make sure to CREATE A GOAL. THE REASON YOU WANT A BUDGET.
This is so key. Budgeting has to feel like working towards a goal and not just sacrificing.
Don’t understand how to make one
I learnt something new today , no one has the infinite money, a budget is only putting a stop to that particular expenditure
Weekly review or every 3 days is a strong key to keep budgets
Dave is the Doctor Phil of finances.
Everyday budget is wonderful a budget just tells your money where to go ,it took me a long time to get on a budget ,but I'm committed to it now everybody stay incouraged
Sandra Smith budgets are the best! They help bring peace of mind knowing exactly where your money goes 🙂
Happy Valentine’s Day folks ❤️
Don’t go crazy at the restaurants lol
Lol... Work work work
It’s called sacrificing and delayed gratification..
many people just don’t have it in them
Delayed gratification is the best indicator on how successful someone will be in the future. I often like to test children if they will take 1 cookie or whatever treat now, or wait an hour and get 3. Lol most kids will fail though.
Positively Brainwashed lol that’s not fair kids will be kids, but many adults will not stop being kids
Thank you dave ramsey i really appreciate this.
First budget in Oct 2020. Coming to end of month and hoping I can stay on this ride.
I’ve always been a good saver and although I’m young, I’ve always been strict about budgeting, being organised and financially savvy. I worked the past two years after school and got into the habit of saving and setting aside a small amount for entertainment. I never had the urge to spend lots cause I was always shattered with exhaustion after work and was so busy, I didn’t have time to spend. My problem is now that I’m college, I’m not working anymore (only occasionally once a week) and I’ve made all the these friends and I’m spending so much more money that I’ve ever spent in my life. Just living the normal party, fun, carefree, college life. I’m still saving (but not as much as I planned) & I’m struggling with all this money I’m spending. It’s like I’m constantly battling my conscience cause I feel guilty but I am enjoying myself and I love it. I’m just so conflicted 😩🤷♀️
It can be hard, but there are a lot of fun activites to do that are free -- certain museums, farmers market, a lot of college sporting events are free for students, rock climbing at the campus rec, free movie nights on campus, intramurals, etc. You just have to find a circle of friends who share the same financial goals as you, rather than a circle of friends who are bad with money and spend too much of it lol. Good luck!
@@mle011 wrong type of friends can bleed you dry, frfr.
@@mle011That was really good advice.
Silly me. I thought college was for getting an education. The kind that ended with a degree and a job.
@@pamsmith1665 Lol yeah but it’s also for having fun. Obviously, I’ve long finished since I posted that comment. College was sooo fun and I also did really well academically. You can do both, just have to have a balance 💕
This is a great episode that I can relate to. I had never budgeted until this month. I learned a lot about how much a spend and what is really important to me now. I use a budget for personal and business making sure I know what my income is and where it is going. I’ve have learned that a everyone needs a budget no matter if you still live at home, are in college, or have a family with kids. Everyone need to see where uncle Ben is going and plan for the now.
The man to knock that common sense into us! Many thanks!
❤ Awesome Video as always!
🌟 I really enjoyed the way you explained it.
Tips For Creating An Effective Budget-
1. Know The Purpose Of Your Budgeting
2. Make an Irregular Expense Plan
3. Know Your Income
4. Determine Your Monthly Spending
5. Set Reasonable Goals
6. Track Your Spending
7. Try Out Different Budgeting Plans
8. Create An Emergency Fund
👉 Stay connected & keep up the great work.
*Always found it better to tracking my income and expenses works better than budgeting, and if there's a area in which you have a particularly bad spending problem I track that one more closely.*
If you have a really bad spending habits It might be best to make a income statement and a balance sheet. Once every other week or once a week. Most people try to ignore their bad spending habits, which makes it easier to spend badly.
Glad that works for you!!! Its also part of Dave's step one.
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..
Great description of a budget. Life has many unexpected expenses and things to plan for.
Start a small garden of your own vegetables eat from the garden 3 days a week. Do a 2 day water and liquid fast to save grocery cost. go on a diet together to save $ on food
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
That’s great!
That doesn’t add up. $43,000 is $3583 a month. Where is the 915 number coming from?
@@joeypritchard6320 I wrote this comment 6 months ago and now you want me to care enough to math it out for you now?
I think Baby Step #1 should be to create a budget, where you spend less money than you are earning. That way, you know how much money you have each month to use for the rest of the baby steps.
Get your own show
@@pamsmith1665 good idea.
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!
Congratulations on the new baby.
Something I said to my wife 20+ years ago: "A budget tells you what you CAN do...not what you CAN'T ".
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.
I have a budget for entertainment, going out to eat, dating etc and I still feel guilty whenever I use it. And after months, I end up having so much extra money.
Should never feel guilty living life as long as you can afford it and your still saving. Wife does that sometimes and we are saving over 50%.
Positively Brainwashed i’m the same way
@Sir We Are About to Die Cooking is cheaper than eating out.
Such good advice for people new to it! It's not a punishment, it is for YOU! 👏
one step at a time, one day at a time!
Sultan’s Financial Journey Love that!
Luke Lack i enjoy watching Dave Ramsey’s content, but that does not mean i have to agree with everything he says. Also, regarding the credit card video, if you watch it, you can see I emphasise that a credit card is not for everyone, only for those responsible enough
❤ हमेशा की तरह अद्भुत वीडियो!
🌟 आपके समझाने का तरीका मुझे बहुत अच्छा लगा।
एक प्रभावी बजट बनाने के लिए युक्तियाँ-
1. अपने बजट का उद्देश्य जानें।
2. एक अनियमित व्यय योजना बनाएं।
3. अपनी आय जानें।
4. अपना मासिक खर्च निर्धारित करें।
5. उचित लक्ष्य निर्धारित करें।
6. अपने खर्च पर नज़र रखें।
7. विभिन्न बजट योजनाएँ आज़माएँ।
8. एक आपातकालीन निधि बनाएं।
👉 जुड़े रहें और बढ़िया काम करते रहें।!
I enjoy watching your show and we are debt free. Thank you for all the good advise. But we do have a credit card that we use and pay off every month. We earn 3% cashback on it and that pays for our monthly gas for our cars. I understand your reasoning for not having credit cards, but some of us use it responsibly.
Go deep and realize how much of your hard earn income goes back to the creditor...that was my eye opener😱 much love & prayer💞
i love his answer insted of selling him program he help him out
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.
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.
Finally started my Budget. Going to pay my credit cards off and Plastic surgery!
Good going!
Great 👍 job 🤣👌🏿
sticking to it is the hard part.
I know what we make and our fixed expenses are but I'm not tracking and doing a line item budget for everything. Luckily both of us frugal so savings just comes natural.
Thanks Dave. You make it practical for us and easy to follow
Very helpful, in theory. I'm going to try.
Others in our apartment building are paying well over 1000.00 per month for a one bedroom.They ask how we pay so little.
Amazing content! Help me understand more about budget. Thanks Dave.
Making it visible all the time helps me.
Don’t need a baby to be serious over here 😳
not a huge fan of dave ramsey but i love the every dollar app it’s super simple.
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.
How is the best way to budget if your income varies each month (self employed) is it better to do a projected budget based off estimates, or better to get a month ahead and use the previous months income?
Excel spreadsheet.........
That’s how.
How to stick to it, that's the question, nice video.
This was so good ty
Hello everyone! I am so lost in life right now. Tried getting an ELOC and l was denied. Not knowing my Mortgage bank hasn’t been reporting my payments to the Credit bureau…because l filed for Bankruptcy back in 2009? Does anyone know the most inexpensive way to start the process for the bank to show l pay my mortgage?🙏🏼
This is what I needed to hear right now
We pay 824.00 per month on renting a one bedroom apartment.
Always start with your rent or mortgage.
Adulting 101
Drat! A system error has led to the transaction being sent to an invalid email address.
Great video. But I can never seem to get the every dollar app to keep transactions current. It's always late keeping up with my transactions. I need a every dollar app for dummies I guess
I’m starting the baby steps and had a question about the $1000 emergency fund because my work isn’t steady decent pay while working. Should I save more to cover the down times?
Is there an Every Dollar app or the equivalent in UK ?
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
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?
I think my ocd is keeping me from making a written/solid budget. I feel like it’s impossible to preplan a monthly budget, for some reason. I’m making this way harder than it needs to be; help 🙁
Get the every dollar app
Robert Parker I had it, but I get frustrated with it because I’m shooting for exact numbers and not percentages. I’ll work back through it.
@@Cloud9crown I got ya, you can basically do the same thing with Quicken financial software for your desktop or laptop. If you set up your bills youycan do budgeting on there with numbers instead of percentages. It's a lot more labor intensive though
@@Cloud9crown What's wrong with exact numbers. Just choose a budget for each category that is high enough that you are confident you can go under. Then you end up with a lot of extra money at the end of the month. And if there's a category you slightly go over, it's no problem because you can just take it from the other categories.
Positively Brainwashed nothing is wrong with exact numbers. It’s hard to explain. I’m going back through my budget though.
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Cash back procedures: the reimbursement process
Good advice!
People act like it's so difficult to figure out how to make a budget, which really says a lot about basic common sense, and how bad people lack it.
That's because we are a nation full of adult children.
Sir We Are About to Die Because the citizens allowed themselves to be fooled into supporting the temporary government economy, not the real economy, which we haven’t had for a long time. We’ve allowed it to be run by politicians who justify unreasonable budgeting which they don’t pay the price of being wrong for with buzzwords like “fairness” and “safety”. We’ve forgotton that it’s not the delivery of material provisions but instead the adoption of middle-class norms that lead to the prosperity of the individual and, in consequence, the society, and since the mid-20th century we’ve done everything to destroy that and even encouraged making a mockery of it.
Actually it just shows that we lack good teachers. There's a lack of sense because of a lack of teaching.
Not difficult to make but stick to it....
Which is why I tried to have the phrase "common" sense removed from our vernacular. 😊
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.”
Free movie on you tube with 2 bags of popcorn
Really good advice.
Is there a good, free app to create and follow your budget??
To make a budget and stick to it has always been tough and I think it's time we talk about the best ways to make a budget
Good idea. The first step is tracking your expenses. It’s eye-opening.
I agree. Using an app to track expenses really helps me see where my money goes.
Apps are great, but setting clear financial goals is also important.
Has anyone heard of Nelson Maynard Fisher? His budgeting advice is well-known.
Yes, he's amazing! His book on personal finance is my go-to guide and he has really helped a lot of people set their financial standard
he makes my insides cream :)
Our rent rises by 3.5 percent per year.
Thank you! ✨💕📈🛩
I really wish the app was available to canadians! I would love to download it but it says it's not available in my country. Is there an alternative app to download that would give the same guardrail stability? Any suggestions out there?
The guardrail can be anything .... Example a budget can be done with a fancy application or with a spreadsheet. The issue is not the way we track the expenses but the control we have over those same expenses. Come and watch my channel also to learn more about money, management, budgeting and others.
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.
I’m about to move out on my own. I’m nervous but I make enough to save about $900- $1,000 a month. I’m going to budget like a mf
💪🏼 git ‘er done!
Abuelita * I live in California and I am saving $1500 a month after mortgage and all other bills. What’s your point?
I live in Houston
I didnt know Rachel Cruze is was his daughter!!!
He only introduces her as such every show they are on together
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.
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? ..
Sent here by one of you Subbie!
No beer, no cigaretts no sweets, make a meal that last 3 days for 2, thrift stores,
Still didn't mention how to SAVE and be truly frugal, how to CUT expenses aggressively and properly.
Also didn't mention anything about how to limit the woman in spending. Women are crazy.
Am I the only one watching this for a school project
Dine out once every 90 days
How do I budget my money better.