How I Would Budget $2,800 a Month

Sponsors pay the producer of this show, The Lampo Group, LLC, advertising fees for mentioning their services or products during programming. Advertising fees are not based upon or otherwise tied to any product sale or business transacted between any consumer or sponsor. The following sponsors have paid for the programming you are viewing: The Op Games.

[Chargers]

Donating 10 percent of ur income when u make under $3k is nuts
I believe in giving back once ur out of the hole

[JenniferRose-_-]

She does this every time it’s a lower budget. She did one with a single person bringing home 4k/month and just ✨magically✨ added 1000/mo to make the budget work. Hello! We want a video showing you budgeting with these incomes, not just making money appear out of nowhere! Love the Baby Steps, but these income budgeting videos are a bit out of touch.

[carbroify]

Giving doesnt always involve money. The power of a budget is working with what is actually coming in now

[JoseOrtiz_]

I understand the giving part, but I say they can put that on hold and use that money to pay off there own debts first as them being financially stable is more important than worrying about other people if I’m honest

[grif]

How would you budget $3, 200? Increase budget to $4, 350…. 🤦‍♂️

[rayfusion]

Why would you ever recommend giving 10% of their income when they are drowning in debt. Telling them to make more money and use your app is not that helpful. If Ramsey considers you a budget EXPERT, then I'd be concerned about your teaching overall.

[missgui]

I think giving 10% is too much. Only give, if you can.

[heresecgonethenext]

This isn’t how you’d budget $3200 like the title suggests. You had to increase their income to pay off debts. Go back to the 2800 they originally had and show how you’d budget $2800 and free up margin so they can pay off debts with their current income like you said you was going to do in the introduction. Have them go to Aldi to save on groceries, have them cut subscriptions so basically they are on utilities, transportation, and food until they can pay off debts. If you wanted to show her gazelle intensity and the debt snowball you could’ve titled your video differently so it fit with your presentation. I spend less than $2600 monthly, it can be done!

[digitalarteffects]

I love the budgeting videos but giving 10% with that income and the amount of debt they have doesn’t make sense.

[mspro]

That's a no to giving. You can be a good person and not give monetarily

[markhines]

This really makes me angry. Before she added$280 for giving they had almost $200 extra and their budget which they could use for their emergency fund or to start paying down their debt. It's sad that Ramsey solutions has to stick to their talking points rather than making budgets flexible to fit people

[AnneC-chdo]

For those asking, this is our real budget! We don’t have a Costco or Aldi anywhere near us. We’ve already scraped our monthly budget down as much as possible. Rachel, I had a feeling you would suggest an increase in income.. we are working on it! Thank you!

[garfieldGG]

The adding income thing is important, but I don’t think it’s helpful to just go “here, we’re gonna add in X”. Finding a side hustle is difficult, same with finding a job with higher income. We gotta deal with what we got. Even if this budget isn’t meant for long term, should maybe at least say “for the next X months till we find a new job”. 🤷

[Tsnakes]

"How I would budget $2800 a month"

"I wouldn't"

[FingersCrossed]

Charity begins at home, they need to keep that 10% to help pay their debt.

[cherylhawn]

If you expect them to give 10% every month, the giving needs to go up with each increase in income - you completely left that out 😮

[iamthevictoria]

I would not give if you can’t afford it. I would give max $10 a month. That’ll leave you money to pay off your debt. Cancel subscription

[kristenlee]

Giving 10% with this income is just way too much at this point. Try 2% or something!

[vnxotcr]

I wish these videos excluded adding the fictitious additional income to the budgets. Not everyone can make additional income…

[vnxotcr]

I usually love these videos but honestly this was really disappointing.