yesterday at 23:00.
It may seem intimidating, but it's not!
How to Hire a Financial Advisor
71 likes - 1 comments
yesterday at 23:56
No way would I spend money on that.
yesterday at 19:00.
Eliminate worries by budgeting before the month begins!
7 Most Commonly Missed Expenses for July
246 likes - 16 comments
yesterday at 20:36
A couple years ago I started saving for Christmas in January. It's magical!
Also, for the 4th we're going to the local ballgame for $22 and they have fireworks afterwards. Total probably $50 after hotdogs!
yesterday at 19:02
And my budget cannot stretch to even short vacations trips, so staycation only. .especially after mastectomy and all the expenses in the family, like kid in college, mortgage, food ,...so that I don't have to worry how to pay the card, cz didn't use it. Yey . Good decision. Never mind if I haven't seen New York, or fancy places . I don't have to worry and think about payments .
yesterday at 20:43
We save for Christmas starting in January and we won't be buying fireworks just watching two free local shows. Also trying once a month shop this month. It might become a normal thing if it works well. No swim lessons but we have saved for a weekend away at the beach this month.
yesterday at 14:00.
The United States national debt is almost $20 Trillion... and counting.
935 likes - 189 comments
yesterday at 14:08
Dave Ramsey for secretary of treasury
If anyone needs a total money makeover it's the government
yesterday at 14:06
And very few people in congress seem concerned about it. I think congress should be forced to read the constitution and Dave's book "The Total Money Makeover".
yesterday at 14:03
Well, that's what slashing taxes(income) and overspending(2 un necessary wars, un needed military spending, money to Israel, etc.)does.
06/26/2017 at 23:00.
Keep more of your hard-earned money!
5 Ways to Lower your Cell Phone Bill
288 likes - 33 comments
06/26/2017 at 23:16
I'd suggest exploring Google's Project Fi phone/plan. My husband recently switched - dropped from $130/month with Verizon to $60/month and he'll get credit for unused data. Definitely check coverage for your area, but the switch is helping A LOT each month as we work through Baby Step 2.
yesterday at 00:23
I have my bill at 70 with tax dollars mo. And my phone plan at 46 with tax I have internet. Wifi cable and a phone plan with data and 400 day minutes monthly for phone calls. I did some negotiating with cell compacompany... adjusted my cable as I don't watch it. And the phone is from a company geared to older ppl they sell androids no iPhones there but I don't see a difference :) cent in my pocket !
yesterday at 00:29
Republic Wireless is who I switched to in January. Service starts at $15 per month for unlimited calling, texting & wifi data. Better service now than with any of the 4 big carriers & the price it's great.
06/26/2017 at 21:00.
It's not too late!
How Do I Catch Up on My Retirement Savings?
230 likes - 11 comments
06/26/2017 at 21:35
I started a little late because I had minimum wage jobs until I got my current job. So right now I'm putting 12% into my 401K, buying stocks in the company, and putting money into a savings account. Never fun to play catch up because it wears down my checking account pretty bad. But still gotta look at long term
06/26/2017 at 22:34
I am doing the best I can with a low pay job and I am 60. The kids have left but living is still expensive. With the threats to health ins and Medicaid I want to puke in the corner when I think about it
LeAna Marie Stephens
06/26/2017 at 21:57
I'm starting at 26 and hoping I have enough. My husband is older than me and doesn't have much. I'm also stressed about his financials too. We are really playing catch up for him
06/26/2017 at 19:00.
Start your week off right with The Dave Ramsey Show! Special guests Ken Coleman, Rachel Cruze and Anthony ONeal are in for Dave today. Don't miss it!
Jumpstart your goals!
[ Bit.ly Link ]
321 likes - 90 comments
06/26/2017 at 20:54
Dave Ramsey - I am utterly disappointed to see you highlighting the Osteens, peddlers of the prosperity gospel and SO MUCH bad theology. Poor form, Dave.
Grace Langevin Brewer
06/26/2017 at 20:58
Your credibility goes down slightly but highlighting the osteens. They like someone said are peddlers of the prosperity gospel
06/26/2017 at 20:00
Aldi has a new line of baby products called Little Journeys which is good for the first few months. Wish they had stage 2 baby food though. Kroger and Walmart have the best selection of baby items.
06/26/2017 at 14:00.
Climb that mountain one step at a time:
[ Bit.ly Link ]
3630 likes - 29 comments
Amy Paparazzo Lozar
06/26/2017 at 14:55
Hard to change your life without self control. You gain self control when you have structure!! One week at a time! I'll carry this around to remind me. I have 7 kids, own a welding business going on our second year. I we are definitely being blessed! Time to get some structure in my life! Time to change!!
06/26/2017 at 21:59
Starting this program last month has given us both peace of mind. I cd not see it for the longest time, snd then i made a spreadsheet. The debt snowball WORKS. i wish i could get everyone i care about to do this. I am selling unused things, getting meal creative, watching for bargains and, for the first time, thinking before buying. Happiness is financial peace and, as Dave days, the Prince of Peace
06/26/2017 at 17:06
Just paid off a small school loan. Going to move on to a small car loan now about $6K
Does anyone recommend suspending ROTH and 401K contributions to pay off auto loans? My wife and I still have a large amount of student loans so I'm not willing to suspend our retirement investments for years to pay off the student loans but i am willing to do it to pay off our vehicles and then so we can build our emergency fund.
06/25/2017 at 23:00.
You'll thank yourself later.
4 Steps to Save More Than Ever Before
3651 likes - 150 comments
06/26/2017 at 01:23
We made a "car fund" for repairs and future down payments. $100 a month ($25 out of each of our bi-weekly paychecks). Has been a blessing! Now we don't stress about getting our cars worked on! We hope later on we'll have enough saved for a down payment for a newer truck for my husband.
06/26/2017 at 01:12
He never really tells you the #1 trick. Don't have children. You would be amazed at how much you can save.
06/25/2017 at 23:13
Do people still save up for their kid's college fund? That doesn't teach them anything about being a responsible adult and there's always the risk of them blowing it on a Latin transphobic art history degree
06/25/2017 at 19:00.
Just cutting them up won't cut it.
How to Close a Credit Card Account
768 likes - 78 comments
06/25/2017 at 20:30
My wife and I paid off all our debts without closing a single card. Heck, we did a debt consolidation loan onto one card first to lower interest payments--credit cards aren't the problem, kids, it's being irresponsible that causes issues.
06/25/2017 at 19:34
If you don't want to read this article but you're dying to know how to close your credit card. It can be summed up with these words. Call your credit card company and say "I want to close my credit card account" very cool tip. I've been doing it all wrong. I've been calling the local McDonald's and trying to close accounts. Thanks Dave.
06/25/2017 at 19:51
American Express and chase have customer service chat options on their website where you don't have to actually talk on the phone to a representative...when I used this option, they closed the account immediately and sent me email confirmation..
06/25/2017 at 15:00.
There will always be someone telling you that you can't make it. Prove them WRONG.
Sign up for an FPU Class:
[ Bit.ly Link ]
Read The Total Money Makeover:
[ Bit.ly Link ]
What Determines Your Success: Dave Rant
1682 likes - 81 comments
06/25/2017 at 15:59
I was amazed at the level of negativity I received while going through FPU. Have other students experienced the same? If you are, hang in there and do what's right for you. It's so worth it! I never thought I'd achieve financial peace and I did through FPU and it's amazing.
06/25/2017 at 15:35
We proved them wrong!!!
250K debt gone in 5.5 years while I went to grad school and had two others in college in the 🏡!!!
God is 😊
I wrote a HOT check, not knowingly, to the church to get my FPU kit!! Please tell I didn't need this program!!! 😂
06/26/2017 at 01:52
Financial Peace University is the best $100 you'll ever spend if you struggle financially. Particular good for those people who struggle with budgeting 💵, have consumer debt 🚗 💳 , and want to change their family tree 🌲!
In FPU Dave talks about the 7 Baby Steps. See attached picture for the basics.
We are nearly there only have the mortgage left! :)
06/24/2017 at 19:00.
Get the job done in record time!
4 Insider Tricks to Sell Your Home on a Tight Timeline
148 likes - 19 comments
06/25/2017 at 01:17
I listened to my agent after she walked through and made a list of 5 things she asked me to do, then I did every single one of them (like fresh flowers, touches of red, ect) and the house sold to the first person through in the first day for full asking price!
06/24/2017 at 19:04
We own a lot of rental houses and we always paint the garage and floor and install LED lights. This is something I would do if we were going to put it up for rent.
06/24/2017 at 19:09
I installed a piece of red chair rail and painted the top part of the wall a light gray. Crown moulding too.
06/24/2017 at 15:00.
Congratulations to Chris Hogan on 1 year and over 2.5 MILLION downloads!
Get Unstuck & Focus Forward
285 likes - 12 comments
06/24/2017 at 15:08
Chris hogan has such a pleasing voice he could say DONT save for retirement and I would still listen to him! Fortunately he's a big fan of SAVING for retirement, as am I!
06/24/2017 at 15:18
All the Ramsey Solutions podcasts are great. But the Retired Inspired podcast is the best of the bunch.
06/24/2017 at 15:24
Love listening to you Chris Hogan...you inspire me and excite me about my future retirement.
06/23/2017 at 23:00.
Awesome story from EveryDollar!
This Family Paid Off $168,000
813 likes - 21 comments
Rebecca Marie Johnson
06/23/2017 at 23:53
Just started working hard on baby step 6 now. We color in a block of the house every time we pay off $1000. It helps to see the progress you are making.
06/23/2017 at 23:44
This is awesome! I am trying to do the same thing and recently put my debt chain up for the visual motivation (thanks to Matt Pawlak for the great idea!). Each ring represents $500 left on my school loans. I love the confetti idea!
06/23/2017 at 23:06
Paying off debt is exciting no matter what income, but as a DR supporter knowing the income is important. If they made 500k per year its not quite as impressive.
06/23/2017 at 19:00.
Nate is 24 years old and has been working on his debt snowball for a year. He may be getting engaged soon, but she has a substantial amount of student loans. He isn’t sure how to talk to her about it.
What should Nate do?
[ Bit.ly Link ]
213 likes - 73 comments
06/23/2017 at 19:28
As a person with no debt, it's hard for me to wrap head around dating someone, let alone getting engaged and marrying someone, with a large amount of debt. I know debt is the norm, but it's just a difficult leap for me, especially if the other person doesn't hold the same financial values.
There needs to be a Dave Ramsey dating website for us singles who are debt-free or who follow Dave's financial steps/philosophy.😁
06/23/2017 at 23:07
If you can't have a conversation with the person you're about to pledge to spend the rest of your life with about your debt that you're bringing to the marriage. You are not ready to get married. If you can't have an open and honest dialogue about debt and money and your finances you shouldn't be getting married.
Erika Dee Valderrama
06/23/2017 at 19:03
My husband held my hand on this journey and it's the best thing he could've done for us. I may kick and scream sometimes because I am definitely the spender, but when I see how much we've saved and paid off, it's all worth it. I hope she hears him out. It took two years for me to listen and my man was loyal to stick with me through it. Now I wish we would've started sooner!! Lol
06/23/2017 at 14:00.
Debt isn't worth the extra baggage:
[ Bit.ly Link ]
3533 likes - 47 comments
06/23/2017 at 14:50
I spent years dragging stuff home and now I"m getting rid of it. I wish I had realized that experiences were the better purchases.
06/23/2017 at 15:42
Last debt payment cleared our bank account yesterday. Onto building our emergency fund
Cindy Burtch Fraser
06/23/2017 at 16:25
The only debt we have ever had is a home loan, 2 of which we have paid off. It has allowed us to be very generous in many ways, including paying for our daughters college education while still saving for retirement. We live by the Biblical principle that if we are faithful in little, He will alllow us to be faithful with much.
Average Days on the Market for homes in the United States.
Is now the right time for you to make a move?
Our guide will help you weigh your options in this record-breaking market:
[ Bit.ly Link ]
877 likes - 356 comments
Michelle Gerry Ziter
06/23/2017 at 00:29
And the reason Vermont is dark blue is because no one can afford to live here!!! The taxes will KILL you!!! Our government is so corrupt... although we just got ourselves a REPUBLICAN governor who is a decent, honest man... praying for some kind of relief here. You read that right... Vermont, the most liberal state in America, had a governor SO corrupt that they actually voted republican.....
Steven Bleus Moore
06/23/2017 at 00:48
Market is hot in TN. But what good does it do to cash out on my equity, if i have to turn around and become a buyer in the same seller's market I just sold in? Not sure I gain much.
06/23/2017 at 00:56
Dallas/Fort Worth is insane on growth. Please stay away. We are already over the limit lol. People are flooding Texas. Mainly Californians. It is also causing huge hikes in rent. They are flushing out a certain group of people.
06/22/2017 at 21:00.
You're not alone. You can do this!
The Most Frustrating Baby Step
814 likes - 72 comments
06/22/2017 at 21:25
I fully concur, so far I've slashed through a capital one credit card, a USAA credit card, and a phone payment. I've done more than i ever have before and I feel like I'm losing steam. I am acquirimg a second job in about two weeks to speed this up. It doesn't help that I haven't got a single supporter but people who continually tell me I'm unrealistic and dreaming... I've got news for them though, I'm doing this!
06/22/2017 at 21:07
I needed this today. It is so tough to not give up. We paid off our credit cards last month (which was a huge amount). All that's left is the cars and the house. Another year or so on baby step 2 for me.
06/22/2017 at 22:10
I've read how to do this step over and over. It's just figuring out how to get started. We don't have extra income. We've gotten rid of all we don't need. My husband nor I can get an extra job. So, how to do it is frustrating to figure out. Especially when all you owe on is your mortgage and his student loan.
06/22/2017 at 19:00.
They're back! Chris Hogan and Ken Coleman are LIVE with The Dave Ramsey Show.
Millions of people have followed Dave's simple plan to take control of their money and you can too!
[ Bit.ly Link ]
258 likes - 63 comments
Teresa Hasha Cabeza
06/22/2017 at 19:07
Hello! Just finished FPU last night! We will be debt free next month except for the mortgage
06/22/2017 at 19:53
I am debt-free and have my emergency fund fully funded. Now I want to buy a house and pay cash for it period should I just save up for the house or get a mortgage and start on retirement? I am 26 years old
06/22/2017 at 19:02
Hey Dave we just paid off the medical bills from our first daughter using the snowball method! Still have other debt, but we got the medical paid finally took us almost a year! Baby girl is happy and healthy. Snowballs and snowflakes works people!
A budget doesn't steal your freedom, it GIVES you freedom!
What These People Are Doing Now Because They Started Budgeting
1381 likes - 56 comments
06/22/2017 at 02:49
RVing, motorcycling, retired at 60, being a snowbird ( 6 mo vacation) is all from NOT eating out, NOT drinking , No fancy coffee, NOT buying fancy clothes , NOT doing fancy manicures, NOT purchasing $$ jeans , shoes, purses, stuff with trendy labels....ain't it grand !
06/22/2017 at 16:05
With amazing blessings from God, I'm debt free, saved for 6 months, plus saved enough money for my dream farm. I was able to purchase my horse, and paid CASH for him and all his living/vet/etc expenses! People look at me like I'm crazy for only using cash and have no credit cards or debt. But budgeting, getting rid of debt and saying cash now lets me live the lifestyle I want! :)
06/22/2017 at 01:18
Budgeting is important, but you also have to be a team player with your spouse. Mine and my wife's perspectives have changed dramatically since we started the Total Money makeover four months ago.
06/21/2017 at 21:00.
Stephen and his wife have about $12,000 in credit card debt, and they owe another $80,000 on student loans. Their kids’ education also runs about $1,000 a month.
He wants to know if it’s acceptable to take a loan against your 401(k) to clean up a credit card mess.
[ Bit.ly Link ]
474 likes - 117 comments
06/21/2017 at 21:23
If you are that tight on money send your kids to public school. Or buy a smaller home. I wouldn't borrow on my retirement just for my kid to go to private school. I know plenty of people that went to private school who rebel worse than public school kids
06/21/2017 at 23:39
We paid off 30k in debt this year and didn't borrow against our 401K.
Snowballing our debt worked for us and took us 8 months.
Jay Keith Davis
06/22/2017 at 01:00
I did this to pay off credit cards. Let's see, remove 20% compounding interest on $20k in cc or pay myself 5% on the loan from myself. My 401k has seldom performed better than 7%. I left my contribution rate alone and in way better financial shape. Loan paid back to me in 3 years.....no interest tossed away.