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Dave Ramsey Rant - You NEED A Written Budget - YouTube
Channel: The Ramsey Show - Highlights
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when you do a written budget on paper on
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purpose every dollar has an assignment
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before the month begins and you're in
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agreement with your spouse on that and
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that is not a theory it is the directive
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for your month you live according to the
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numbers that you write down you do not
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spend anything except what is written
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down without coming back and adjusting
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the budget when you do that you will add
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a layer of communication to your
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marriage that will change your marriage
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in a good way when you do that you will
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get the stress off of your back because
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not knowing if anything is getting done
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will drive you crazy if you can do
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everything but three things you got all
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the stress off your back but three
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things you limit the stress to the
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things you simply don't have the money
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to get to this month if you're broken
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struggling in under water a written
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budget when you will lay it out and
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stick to it will give you the sense that
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you have gotten a raise it feels like
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you got a raise because your money is so
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stinking out of control when it's not in
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control I know that's insightful you can
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tweet that your money's not it's not in
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control when it's not in control I mean
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really that's the truth though it sounds
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so basic but if you do not have a clear
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written plan that you and your spouse
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have a pinky swear and spit shake it's a
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dadgum contract we're going to stick to
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it you don't have that you're just
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you're just hoping is all you're doing
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you're not planning you're hoping if you
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worked for a company and you manage
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money for that company and the company
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was called you incorporated and you
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managed money for you incorporated like
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you managed money for you now would you
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fire you don't answer that
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well then don't be praying and asking
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God to send you financial blessings when
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you're misbehaving with the little that
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you do have when you're faithful with
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the little things you'll be given more
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to manage write it out go to every
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dollar calm get your iPhone out get the
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free app out it's a free online
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budgeting tool in ten minutes you'll
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have a budget write it out Zig Ziglar
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used to say if you aim at nothing you'll
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hit it every single time John Maxwell
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says a budget is people telling their
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money what to do instead of wondering
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where it went
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write it out write it down your stress
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is lowered your communication and the
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quality of communication with your
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spouse is increased your efficiency is
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up to the point that you will feel like
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you got a raise you will make progress
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when you do this because even if you
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write it all down and you don't have
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enough to do everything immediately what
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do you start doing it going I got to get
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some income I got a amputate some crap
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out of my life so that this thing
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balances because you know if your budget
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doesn't balance you have to fix it
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because you know you're not in Congress
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you know you have to do it
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I mean inherently if you graduated from
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the sixth grade you can do this it's
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addition and subtraction probably the
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fourth grade but you have to write it
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down and you have to look the beast in
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the face and say Beast you're getting a
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haircut Beast we're going to pull a
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couple of your fangs here Beast you're
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going to get under control I'm tired of
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you managing me I'm going to manage you
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the money beast will put its foot on
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your neck and hold you down your whole
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life until you stand up and say I've had
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enough on paper on purpose when you do a
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budget it's a whip and a chair you're
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the lion tamer
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you're making that money dance you're
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making that money behave you're making
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it do what it's supposed to do when you
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do this you will find the money to hit
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baby step one and quickly save $1,000
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and then to start working your debt
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snowball baby step two listing your
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debts
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smallest to largest everything but the
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house paying minimum payments on
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everything but the little one and you
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are attacking the little one with a
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vengeance mad I've had it I work too
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hard to be this broke I am sick and
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tired of making a hundred and one
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thousand dollars a year and getting
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nowhere you have to have that thing come
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up inside of you
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it comes up inside of you it changes
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your life and then you have to have a
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clear path to run on and that starts
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with the budget and the excess you
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squeeze out of the budget from
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increasing your income and decreasing
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your outgo by cutting back on things
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like not seeing the inside of a
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restaurant unless you own it or you work
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there and don't talk to me about going
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on vacation you're broke broke people
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don't go on vacation you lay out the
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game plan and you get an attack mode
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beans and rice rice and beans scorched
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earth the formula is the deeper you
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sacrifice the more money is freed up in
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the faster you get out of the mess and
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the faster you get into the prosperity
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so that your life is changed and you're
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in a position to be outrageously
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generous your generosity factor
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increases as soon as you get control as
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soon as you get they get the beast off
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of you but it's hard to be generous when
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you're worried about your own electric
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bill being paid it's hard to be generous
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when you don't know if you've got the
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money for food it's hard to be generous
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in those situations a written budget
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jesus said don't build a tower without
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first counting the cost lets you get a
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halfway up and you're unable to finish
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and all who see you begin to mock you
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and say this man began to build and was
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unable to finish on paper on purpose or
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get on every dollar calm and use the
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free that I mentioned it's free online
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budget tool click on the iPhone apps and
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get the free iPhone app and you can tell
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your money what to do you can become a
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money's intimidating to me well that's
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because it kicks your butt it's time for
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your
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kick its butt it's time for you to stand
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up say that's it I'm not living like
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this anymore I'm going to get control of
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my dad blame life I'm sick of walking
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around with this taste of regret in my
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mouth feeling like I'm a financial fool
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I'm sick of that and when you get sick
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of that you can change the taste in your
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mouth because you can do the math math
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bothers me it's not hard math this is
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not rocket surgery baby it's not hard
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you can do it but you have to let me
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just tell you I hear all the theories I
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hear old people talk about it I've read
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some of the dumb butt blogs that are
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written out there about money and some
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of these people living in their mother's
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basement they should not be allowed to
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have an opinion in public okay seriously
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this stuff's stupid I've been doing this
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25 years I've helped millions tens of
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millions of people get out of debt and
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the way you do it is a written plan
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there is no exception you cannot out
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earn your disorganization and stupidity
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I've got 14 profit centers in our
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company you think a VP walks into my
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office and says you know Dave this
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quarter I'm going to kind of wing it
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we're not going to really do our revenue
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and our expense and our profit
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projections this quarter how you think
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that would work in my office if you work
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for a company and your job was to manage
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money for that company and you walked in
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and said you know I'm just kind of kind
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of kind of think I know what it's doing
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I'm gonna be okay you think they
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wouldn't fire your little butt of course
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they'd fire your little butt and you'd
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be deserving of a good firing cuz you be
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incompetent and you know that the good
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news about being incompetent in
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something as simple as a budget is you
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can just decide today tada
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today I'm gonna start being competent
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you just decided just like that it takes
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10 minutes on every dollar lay this
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thing out there is no freaking excuse
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for you to be walking around with regret
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on the back of your tongue waking up
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with a financial hangover
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during all your dadgum money went it's
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you gotta stop it gotta stop it we give
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you all the tools to do it
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free sit down do your written plan get
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your spouse on board start aiming at
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something intentionally that make the
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sacrifices to go win you can win people
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do it every day but you're gonna have to
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get with it you have to turn up the gas
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baby turn up the heat this is the Dave
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Ramsey show hey you guys Rachael Cruz
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here hope you are enjoying the Dave
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Ramsey show and did you know that I have
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my very own YouTube channel yes that's
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right it's kind of better than the Dave
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Ramsey channel don't tell them I said
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that I'm kidding I'm kidding
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so subscribe and there's lots of videos
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about life and money so while you're at
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it if you want to check out a video then
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check out how to do a monthly budget
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it's one of the best videos out there
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you
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