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How Do I Make A Budget And Stick To It?

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Hi Dave, my husband and I met you at an event in Las Vegas in May of 2022 You signed our FPU graduation certificate from when we graduated in 2014 I'm incredibly discouraged BUT I'm here and committing to get back to basics/the Baby Steps Thanks for helping us and our family of 3!
Comment from : @courtneykelly803

My kids are learning personal finance, and they got super excited to learn mom and dad are onto baby steps 5&6 I found their excitement super encouraging I think one of the best gifts you can give your kids is not having debt, and a financially stable future
Comment from : @edenelston7668

Im so glad I came to YouTube Ramsay - he's so much nicer than Tik Tok Ramsay! 😂 ❤
Comment from : @shahanatetomo7572

hank God for YouTube Dave Ramsey is teaching financial discipline to the whole world Thanks from Kenya
Comment from : @YvetteSinclair-w7r

Thank You!
Comment from : @JasonVaughnMamba80

As I get closer to retirement, I’ve been thinking more seriously about how to structure my monthly budget It feels overwhelming trying to account for inflation, unexpected expenses, and making my savings last
Comment from : @Andres_853

Thanks for sharing thisalways need to be reminded especially on remembering the bigger goal
Comment from : @tiffanydcaesar4162

How do i call into the show?
Comment from : @amberrainandrews3385

My budget is ever changing! Stick to the plan
Comment from : @BudgetingBean

I think people should diversify into stocks, forex, and real estate, witnessing traders' millions is inspiring, but I seek smart, informed strategies to navigate these markets, minimizing risks and maximizing returns, perhaps through education, expert guidance, or alternative investment approaches
Comment from : @EvaHoffmann153

9353 Feest Harbors
Comment from : @GsyshagGshahag

Dave is the "Dr Phil" of Finance But he still doesn't get it about the importance of getting Donald Trump in office In a perfect world, his idea of "It's all up to us" worked Not now With Kamala and Biden and the NWO shills pushing for their technocratic anti-human agenda, you've got too many evil forces that will literally DESTROY the economy in one fell swoop VOTE TRUMP or lose everything The other side wants total communism/socialism And that's only something we can only control IN THE BALLOT BOX This time, it matters!!
Comment from : @smalltownglobalproductions

Mr Ramsey with all respect sir, It is hard to stick to a budget when you rent increases every year I heard you on your show saying that you increase rent every year on property you own without a mortgage Now, I see that as price gouging because your expenses for the property don't increase every year neither does most persons wage😂
Comment from : @RashidaJamieson

My husband and I just paid our house off! Thanks Dave!!
Comment from : @saramooney09

Cash back procedures: the reimbursement process
Comment from : @Christopher___4pwj

Catch an exclusive interview with Binance’s CEO to get the scoop on future developments
Comment from : @Sarah__21m5

Drat! A system error has led to the transaction being sent to an invalid email address
Comment from : @pryorrowan

Werdo
Comment from : @ap47ල්

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
Comment from : @beverlystanford3822

No beer, no cigaretts no sweets, make a meal that last 3 days for 2, thrift stores,
Comment from : @beverlystanford3822

Dine out once every 90 days
Comment from : @beverlystanford3822

Tomatoes sandwiches
Comment from : @beverlystanford3822

Cucumber sandwiches
Comment from : @beverlystanford3822

Apple sandwiches
Comment from : @beverlystanford3822

Lettuce sandwiches
Comment from : @beverlystanford3822

Others in our apartment building are paying well over 100000 per month for a one bedroomThey ask how we pay so little
Comment from : @Alice-ng2po

Our rent rises by 35 percent per year
Comment from : @Alice-ng2po

We pay 82400 per month on renting a one bedroom apartment
Comment from : @Alice-ng2po

Always start with your rent or mortgage
Comment from : @Alice-ng2po

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
Comment from : @ThomasColt

I learnt something new today , no one has the infinite money, a budget is only putting a stop to that particular expenditure
Comment from : @Fasthebaker

❤ Awesome Video as always! br🌟 I really enjoyed the way you explained it br brTips For Creating An Effective Budget- br1 Know The Purpose Of Your Budgeting br2 Make an Irregular Expense Plan br3 Know Your Income br4 Determine Your Monthly Spending br5 Set Reasonable Goals br6 Track Your Spending br7 Try Out Different Budgeting Plans br8 Create An Emergency Fund br br👉 Stay connected & keep up the great work
Comment from : @FutureGrowAcademy

❤ हमेशा की तरह अद्भुत वीडियो! br🌟 आपके समझाने का तरीका मुझे बहुत अच्छा लगा। br brएक प्रभावी बजट बनाने के लिए युक्तियाँ- br1 अपने बजट का उद्देश्य जानें। br2 एक अनियमित व्यय योजना बनाएं। br3 अपनी आय जानें। br4 अपना मासिक खर्च निर्धारित करें। br5 उचित लक्ष्य निर्धारित करें। br6 अपने खर्च पर नज़र रखें। br7 विभिन्न बजट योजनाएँ आज़माएँ। br8 एक आपातकालीन निधि बनाएं। br br br👉 जुड़े रहें और बढ़िया काम करते रहें।!
Comment from : @FGA-Hindi

Am I the only one watching this for a school project
Comment from : @Styptic_knuckle

Watching how to budget while sipping an $7/ coffee!!?
Comment from : @aarone9000

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?🙏🏼
Comment from : @MariaPinto-d2l

Is there an Every Dollar app or the equivalent in UK ?
Comment from : @timmyturton1035

Amazing content! Help me understand more about budget Thanks Dave
Comment from : @BR_cortes

not a huge fan of dave ramsey but i love the every dollar app it’s super simple
Comment from : @BENABARE

"A budget is permission to spend" I love that
Comment from : @DuncanGarrett

Really good advice
Comment from : @MrJonathandsouza

Congratulations on the new baby
Comment from : @VishalSharma-j6i

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?
Comment from : @walterjackson7757

I changed how I looked at budgeting as Ramsey said I looked at it as a straight jacket instead of like controlling a pitbull on a short leash and I'm terrible at spending like I get paid on Wednesday on a bi weekly and by the time its the weekend the money is already gone and I have budget a little and I have 155 left since right now I haven't paid the car and insurance yet but I do have to get parts for my car which I'm going to use the leftover since I don't have an emergency fund which I'm going to start
Comment from : @strawboi1

Such good advice for people new to it! It's not a punishment, it is for YOU! 👏
Comment from : @jemmagregory502

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?
Comment from : @401files4

Live in a cardboard box for 40 years so you can be a millionaire the last 10 years of life brWhat A Waste!
Comment from : @miketheyunggod2534

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
Comment from : @nathanhendrickson790

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?
Comment from : @Coffeeismylifeblood

he makes my insides cream :)
Comment from : @bendwizzle2634

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
Comment from : @johnjenkins7060

I found this very polite guy names bRicchdawg/b and he gave me a valid cc am very happy to have a business with him go for him guys I bet you not gonna regret having business with him ♥️♥️✔️✔️
Comment from : @richardwilson3540

Very helpful, in theory I'm going to try
Comment from : @leagirma9477

sticking to it is the hard part
Comment from : @anniesshenanigans3815

Thanks Dave You make it practical for us and easy to follow
Comment from : @EOD2024

I have low iq that why I don't get it ojk
Comment from : @jaeminkim7406

Great description of a budget Life has many unexpected expenses and things to plan for
Comment from : @allaroundfinance

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
Comment from : @samplautz5586

W
Comment from : @DudeNamedIsaac

todays sacrifice for tomorrows bennfit
Comment from : @dennispatterson4998

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
Comment from : @saraadauta6301

Adulting 101
Comment from : @kickinghorse2405

How to stick to it, that's the question, nice video
Comment from : @milciadescortes8028

I call my budget the "FPS" - Financial Planning SystembrbrEverything goes through the FPSbrbrMoney 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 basisbrbrIt looks over the top, but it feels great to be in control
Comment from : @ep1929

This was so good ty
Comment from : @DevCreates

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
Comment from : @johnsmith-rd3zx

Sent here by one of you Subbie!
Comment from : @anndavis9764

Good advice!
Comment from : @ganstagranny312

I am learning to tell myself When I go to the supermaket that I cannot afford to go over my budgetsometimes is quite hardalot great foods like snacks have to say nocannot afford it
Comment from : @josecaraballo6053

How am I supposed to stay on budget when my wife out cheaten
Comment from : @nabrurbansr

Good advice but didn't really answer the guy's question
Comment from : @MsEmm10

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!
Comment from : @williegriggsjr1532

Thank you! ✨💕📈🛩
Comment from : @Joshua-nb9rf

I just spent 2k this month on just eating out That's why I'm here
Comment from : @ihatenuggets

I just checked how much I spend on grocery from bank statements and I wanna cry lol
Comment from : @shannorbrown8450

Am here for school
Comment from : @1zeco_11king2

Nice Tommy Chong impression at the end lol
Comment from : @maf1003

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
Comment from : @The_Mr_knife

i love his answer insted of selling him program he help him out
Comment from : @jahnellerivera6823

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
Comment from : @Luffa187

step 1: have a baby
Comment from : @loana1861

Thank you dave ramsey i really appreciate this
Comment from : @velinaparker7888

The man to knock that common sense into us! Many thanks!
Comment from : @malonzo1123

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?
Comment from : @rootedones