Why I Stopped Following Dave Ramsey

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stopped following Dave RamsayThere are a lot of Dave Ramsey die-hards in the personal finance community. If you’re a huge Ramsey fan, as I once was, I encourage you to read this post with an open mind and consider my key points on their merit. It’s entirely possible that I’m going to ruffle some feathers with this one.

For those of you who are not familiar with Dave Ramsey, he’s the outspoken host of a daily radio show that is syndicated all over the USA, and the author of several books including ‘Financial Peace’ and ‘The Total Money Makeover.’ Dave teaches his 7 step program to financial peace. For reference, the steps are:

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The Complete Guide To A Zero Based Budget

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zero based budgetDo you feel like your financial situation is hopeless? Are you unsure where your money is actually going?

If you’re struggling with money, the first thing that you should do is get yourself on a zero based budget.

Budget? Most of us are excited to budget like we’re excited to stop barefoot on Lego when we get up to pee at 2am.

Take a deep breath, and stick with me. It doesn’t have to be complicated. In fact, you could write up a simple budget on a piece of paper on your lunch break.

In my opinion, the best system is zero-based budgeting. Whether you’re using plastic or cash, it’s the simplest way to get your spending on-track.

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