How Do I Make A Budget And Stick To It?

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[ihatenuggets]

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

[TTaddicted]

"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.

[dreamingbig]

"A budget is permission to spend" I love that

[sonyascreationsalifestylec]

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!!

[geoffreymungai]

Thank God for YouTube. Dave Ramsey is teaching financial discipline to the whole world. Thanks from Kenya.

[GenExDividendInvestor]

Creating a budget is such a weakness of mine... I love Dave's description of it being a guide, not a straight jacket.

[brianafranklin]

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 🤗

[Erika]

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!

[domenicavellino]

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

[ep]

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.

[shannorbrown]

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

[ItsMikeArre]

U would be surprised how the simplest thing can be the hardest thing to do for some ppl

[LampWaters]

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.

[joshandersonshow]

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.

[tdxfgzl]

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!

[StructuredLiving]

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

[ptulip]

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.

[luisibarra]

to be able to stick to it Make sure to CREATE A GOAL. THE REASON YOU WANT A BUDGET.

[yayyareaa]

Happy Valentine’s Day folks ❤️
Don’t go crazy at the restaurants lol

[wolfofdubai]

Weekly review or every 3 days is a strong key to keep budgets