The Blessing Of Budgeting - Dave Ramsey Rant 

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"

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

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.

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

Dave Ramsey is the best. I am a way underpaid social worker but was still able to get to steps four, five and six thanks to Dave's plan and ongoing motivation. Now I'm paying extra in my house, putting 15 % into retirement and saving cash for my next car. My life is so much better now. I can't imagine ever going back to living the old way! Thanks Dave!

I used to spend money like crazy & be scared to check my account! But after watching Dave Ramsey for months & budgeting I’m more careful & pay more attention to my money! Budgeting changed my life!❤️

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

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

I am debt free and emergency fund saved... Now I can breath... Based in U.K. and found Dave Ramsey about 2 years ago on You Tube. The best life education I've ever had! A life saver. Thank you

When I did my budget, I realized I’m missing 900 a month to pay my minimum payments and eat bean and rice.... now i have a second job to start my baby steps. I now feel powerful and excited about our future.

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.

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.

I love writing out my budget the old fashion way. Been doing it since I was at least 18. Nothing beats a pen and paper imo.

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

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!

Thanks to budgeting and emergency fund we were able to replace broken washing machine and dishwasher - they went dead one after another. But what is much more important, we were able to fly home 2 thousand miles, when 2 people from our closest family were dying. We coudln't do it without budgeting. Thank you Dave and Rachel

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. 🤟🏽🤙🏽

This is so true! I just made a budget two nights ago and I feel incredibly relieved and I haven't paid off a darn thing yet. But taking that first step to getting control of my financial life is therapeutic in itself. I'm actually looking forward to paying my next bills. I have so much hope now.

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!

I love to make my budget and divide my paycheck. One of my favorite parts about getting paid, actually... yeah, I'm that kind of nerd :)

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

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.

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 :)

Dave, I don't know if you still read comments on these old posts, but there's another benefit I've found to budgeting. I'm all of two weeks in on following your plan, and I can already tell a huge difference in my life. Even when I had my "head in the sand" regarding my debt, I knew it was still there. And even though I was trying desperately hard NOT to think about it, the situation was still a huge drain on my energy and my emotional wellbeing. I've started creating a budget this month, and while I can already see kinks to work out, I no longer FEEL like I'm drowning. I feel like I've started to doggy-paddle for the first time. I'm already making changes in how I run my household, not just financially. When you have a plan, you begin to feel a purpose. And when you have a purpose, you can look at your life clearly and see that you HAVE the power to make changes in all areas of your life, not just financially. So yes, please let people know that that extra time and work that people put into planning a budget will be repaid exponentially in more time and energy to address all areas of their lives. And please let them know that your financial wellbeing (or sickness, in my case) affects ALL areas of your life. A little bit of work pays all sorts of rewards.

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)

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

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.

Dave Ramsey is like my financial Daddy 🙌🏽

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.

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!

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.

I remember when I came home from church after a lesson about being responsible with the temporal blessing in our life. We just had our 1st baby and moved into our 1st home. I remember having that 1st freak-out moment when I realized formula and diapers put us out of our normal budget. I relaxed into the panic and made a plan. So it's important to remember to re-do your budget when big life changes happen.

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!

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

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

I’m a single mom who get me no help, and I’ve been feeling hopeless about my finances. So I sat down and wrote out a budget and plan for my debt. There will be a lot of beach bum days this summer and finding cheap and free things to do. I actually found a 200.00 bucks left a month over after paying my bills and saving for my retirement. I was always short and I found out why by just writing ✍️ everything down I found where my stupid was🙃

I still use registers in my check book and balance my check book the old fashioned way. It keeps me on track.

I am new a listener and I am glad I finally listened to my sister after 2 years and started listening to Dave Ramsey and I have already achieved so much since . Thanks Dave

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.

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! :)

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

I stopped doing his 7 baby steps...like an idiot.......but I'm back on it.....and it feels good!!!

Watching Dave's Rants this morning...These are so motivating and I feel like he's talking to me personally. I wish I could have had these realizations 10 years ago. Thanks Dave.

Do I remember checkbook registers? I still use them.

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

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

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.

I still use my register and check it against my statement online. I've actually come across some errors where I was charged twice for a purchase. I will check out Every Dollar.

This is very encouraging!

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

I still use a register. Old school.

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

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!!

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

I still use a checkbook register.

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

I’m 39 and STILL balance my checkbook with my paper register every 3 or 4 days ☺️👍🏼

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 🤗

If you're watching this in 2019...just make a budget. It is so worth your while.

Written budget and the envelope method!! Literally changing my life right now!!!

Having an emergency fund is great. 5 years ago I had an issue where I was flying to Sao Paulo Brazil and while in Mexico city the people who gave me my boarding pass did not return my immigration papers which resulted in me missing my flight. Thanks to having an emergency fund I was able to buy a new plane ticket and keep going south for the winter. Thanks to the emergency fund I was spending my Christmas sweating on the beach with a margarita and coxinha while all my family and friends were freezing like ice cubes in Boston Ma.

Adulting is hard though.....

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

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.

**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.

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

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 🪴

I moved to the place I am at right now about 5 years ago. All my utilities doubled or trippled because I am out in the country. I "woke up" financially a couple weeks ago. Once I did my budget and started thinking about stuff, I realized that the extra money I was spending on utilities was not as bad as I had thought and the expense does not really impact my budget much. Its amazing the things we tell ourselves.

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

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.

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.

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!!!!!

Back to school season when everything gets marked down and you get to buy new pens and notebooks so you can budget on paper, make to do lists, and plan? Priceless!

My budget is too simple to write down. Pension $2400. Work pay $450- $450 -300 Rent -320 Food -50 iPhone

Im loving this! For the first time in my life i started a written budget since the start of this yr!

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

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

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👏🏻👏🏻👏🏻

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!

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!

I literally just did that yesterday...am that big a nerd...balancing my checkbook in the old school way. Am at the bank three times a week and ALWAYS ask for an updated balance on the transcript...I KNOW WHERE MY MONEY THAT I WORKED HARD FOR IS

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

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

This is so true! I don't do prospective budgeting, but I track all my expenses and it's beautiful. Accurately tracking expenses is essential. It's great to look data from 5 years ago and see how much I was earning, spending, spending on what... it really puts things into perspective

That stress/heart rate excuse is actually conviction by the holy spirit to do what you know is right. There's a guilt and a dread about your unwillingness to comply that just bugs you till you do it. Thanks be to God.

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

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!

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

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

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.

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 👍

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.

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

So glad i found you dave 👏😥

This is wonderful guys never too late to discipline

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

Love the show; have learned a lot. Wish people would take this great advice and change the attitude of "live for right now" and then complain why they are up to their eyeballs in debt. You can do it when you're in a better position. Take the time and sacrifice for a relatively short period of time. And never repeat what you did in the past.

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

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.

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.