![]() You telling your money where to go instead of the other way around is a powerful thing!Ģ. In fact, it will more than likely feel as if you got a good pay raise. Just getting on a zero-based budget will significantly improve your current financial situation. ![]() Read the book, let it sink in and follow the steps outlined. If not, it’s worth every penny of the approximately $15 it costs to purchase. You can probably check out a copy from your local library or borrow one from a friend. This book will give you a step-by-step plan for getting out of debt, budgeting and saving money, no matter your income level. Get a copy of The Total Money Makeover: A Proven Plan for Financial Fitness. I’d personally recommend two things if you are strapped for cash:ġ. In fact, it just might turn your life - and your finances - completely around! And also just lots of plain encouragement and inspiration. Since you don’t have a budget and you’re not saving money, I definitely think that you could find some great help and hope from the principles Dave Ramsey teaches. While you don’t need to follow them completely to see financial success, using them as a guideline or road map, can be extremely helpful - especially if you’re really struggling financially. He outlines a seven-step plan for financial success which he calls The Seven Baby Steps. He just does a great job of packaging it and “selling” it so that the lightbulb goes off and you actually are motivated enough to follow it! ![]() Much of what Dave stresses is common-sense money advice which you probably already know. The Dave Ramsey website does have a lot of stuff to offer and if you’re a newbie, it can feel overwhelming! KellieĪs you well know, I’m a huge fan of Dave Ramsey (read more about how he changed our lives here). If we want help with budget and saving (which at this time we have a big ZERO!), should we do the Financial Peace University, or just financial coaching? What do you recommend? How do we get started? We don’t have a lot of money. I was looking on his website and it is so overwhelming. My husband and I want to sign up with Dave Ramsey.
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