#1 Way People Win With Money
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- เผยแพร่เมื่อ 4 ต.ค. 2024
- #1 Way People Win With Money
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"We thought we were cute when we did that so shut up" love it!!!!
I've been watching Daves videos for about 2 years now. It's time I start to listen and get out of debt.
Seymour Cake well done. I started 20 months ago. Now I'm 19 days away to making my last payment ever!!! It works
You should be halfway done by now
I found him in February 2018 and he really changed my life. It took me a few weeks of listening everyday before I acted. Started with the baby steps and paid off all my debt , 40k, in 14 months! Never thought it was possible.
Im going through divorce, since last year, will be finalized next month finally. That has left me with about 30k in debt including my car note. I started watching Dave's videos on January of this year, and gave me the inspiration I needed to move forward financially (which is very stressful to me). within a month I have been able to get rid of 15k worth the debt by selling my car and paying off credit cards (collections). It motivates me a lot to know that I will be debt free in 4 months!! I want and will be financially stable for me and my daughter, when things get difficult, I think of her and reminds me why im doing this which give me a lot of strenght to move forward. We all can be debt free!
Generally this show is for Americans and by Americans. But lessons like this transcends culture. Good one Dave!!
True! I'm not American, but I've been listening for good two years on youtube and I'm on baby step 3
I’m asked all the time how I save so much money every month. They automatically assume it’s because I’ve been debt-free since 8/15/16. While that does help (A LOT), it was because I was intentional. I didn’t accidentally build a very nice five-figure savings. Everything I’ve done to give me the quality of life I have was done because I was intentional.
I sometimes tire of hearing how 'lucky' we are when something comes along and we don't need to panic, we're financially prepared to handle it without the chaos. It's not 'luck', it's focus and intention for the long haul. Many want to results of that focus and intention, few are willing to employ them to get those results.
Very good it's all about intention!! Keep up the saving!
Raider Nation thank you. It’s like getting a raise: a raise won’t mean anything unless you control your habits. I’m waiting for my W2s so I can do my taxes and I’m expecting a solid refund. I’ll throw that at my savings too
E Ahlers you completely misread and misunderstood the meaning of ‘it’s like I got a raise’ 🙄. You sound like a new Dave Ramsey listener
I looked high and low for something like EveryDollar. Man has it changed my life. Thank you very much...
A paid off home mortgage is taking the place of BMW as the new status symbol ❤️
Tar Jab Do you mean Mercedes Benz?
Every dollar app is currently my favorite app. Thanks you, Dave!
Glad you like it!
I love Every Dollar app!!! Totally recommend if you are wanting to be intentional and self-disciplined with the money God has entrusted you with.
god don't exist, but God is real, nothing creats nothing God created evrything even if you deny it some day you'll see what you don't see.
The app is great! Me and my wife enjoy using it to budget the money that our employers have entrusted us with.
I agree, made a huge difference when I wrote my budget down on paper.
EveryDollar is amazing. I never budgeted nor wanted to until I downloaded the app just to try out. It was so easy to use that I've stuck with it, cash flowed very expensive dental work, paid off my debt and increased my savings.
It's February 1st and I've printed out all my bank statements, paid my bills and allotted money towards some of my investments. When you've budgeted at the beginning of every month, you can sleep easily for the rest of the month knowing EXACTLY where your money is.
I remember back when i was an arrogant 17 year old in 2009 listening to Dave Ramsey's highschool program in school thinking "Wow, you know, this guy is pretty smart! Nothing he says about money strikes me as dumb!" 13 years later i'm still just as arrogant and I still think he's pretty darn smart! I recommend anyone and everyone to him, his methods are sound and they work well. Thanks for making the world a more fiscally responsible place, Dave!!!
I’d like to give more. What a blessing to help others because your financial burdens are non-existent
I tried to get everydollar from play store, but it doesn't allow me to download it because I live in South Africa. Was very dissapointed about it, but I created my own zero based budget on excel and it's been going great. Can't start a month without budgeting it's such a big part of my life.
Magz van den Bergh pen 🖊 and paper 📝 does exactly the same thing as the app does. Write down everything you have coming in and everything going out. See where you can cut costs and go from there.
You can download it from outside the US. I have it working on my phone and I'm in Australia.
I'm in South Africa too. I couldn't get it either. I was in the US in February and loaded it but it's in dollars not rands. Makes life difficult.
@MOSIMA PHADU thanks I am going to try that app from Old Mutual too.
been using microsoft excel has an "autosum" button that adds up all of my expenses as i enter them daily. I put my months January- December on top and all my expenses like Rent, Gas, Groceries, Utilitys, Insurance in the columns on the left and enter them daily so i can keep track of how much a spent and where. Also realize how often im spending by needing to manually enter each transaction!
Anonymous Excel is a great program.
I've been doing the same thing with great results.
I use excel too!
this used to be called a checkbook lol
"And we thought we were cute when we did that so shut up" lol ohhh Dave.
Created a comprehensive spreadsheet and it works better than the free version of everydollar. It’s the same concept though. Definitely lets me know I what I need to do to get to savings goals.
Patrick Jarvis did the same!
I am doing the same. A XLS table. I track the money flow from my Checking Account, Credit Card Account and the Cash in my wallet. Every morning I am entering any purchase/bill/spending I made the day before. I do reconcile the XLS sum of all three columns against my accounts and wallet balances.
Spreadsheet? lol. Would be nice if you were living in 1990
Love EveryDollar Plus. The monthly cost is so worth it. My budget is done in like 30 minutes. You can also move categories around. I use it regularly at least every other day.
Cassandra Ross Would be nicer if banks weren’t so slow to show charges on the app
Every dollar is very simple easily to use. Thank you very much .
Love the app! No ads!
Just saying Mr Ramsey, you NEED to make the every dollar app available in Canada. Seriously. 😑
It's a real shame this is not available in Australia Dave.
Love your work mate.
Love the app! One thing I'd like to add is an option to put a picture at the top of my budget. Every time I go in there I can be reminded of my why.
There is a good app called You Need A Budget - YNAB for short. Allows you to make separate budgets, give every dollar a category to go in and tells you the age of your money. It's very good
This. I haven't given Everydollar a whirl, but YNAB is excellent once you get the hang of it. You only budget the money you have, not money you expect to make. This encourages you to get at least a month ahead of your expenses (ex. money I earn this month is used to budget out the next). Regardless of what tools you choose to use, get on a budget!
Make it available internationally please! You say you want to help people but don't allow them to use your app unless they're located in the USA, why?
I spent about a month trying tons of budgeting apps. I thought I had found a good one but Dave is correct in saying that they put your charges into the wrong categories. I gave Every Dollar a try and it is working great.
you r a life saver..you r doing a great job thank you
Dave you gotta look into having the service for nonUS customers
I need to give this a try!
I thought I was pretty good at managing my money until I started a unique written budget for each month. Now I realize I've had a lot of money fall through the cracks and I could be much better. Thanks Dave and team for sharing!
A spreadsheet is a much better alternative for me and my wife. You can have a 3-month plan for your dollars. It’s great!
i took his old platform and made it an excel sheet. beautiful. and free. and it can grow as we do.
I'm older than Dave, so I've no difficulty doing my budget with plain old pencil and a notebook. App? I don't need no stinking app!
That’s your prerogative lol just budget
going to the app store right now
You absolutely could do that, however its not available in other countries, only in America. If that app did not only be available in other country, but also had it in dollars, that would be great.
Currently doing FPU and using the Every dollar app.
I wish this worked in NZ 😢
Melissa Verheij Try YNAB (you need a budget) It’s pretty much the same thing and I actually prefer it. It’s about $50 a year but it comes with the importing feature.
I like EveryDollar but it needs updates to be usable.
You should make an app which converts currencies even if you cant link the bank account for foreign accounts!
I love that it's great advice thanks
Bring the app to Australia and i will use it daily :)
Love this app!
I hate it when people say, "just use autopay! I don't know why you don't put everything on auto pay like everyone else! You need to get with the times! "...well I like to be in control and hands on with my finances. I have very few little things that are on autopay and I still watch them like a hawk. This idea of blindly letting your money flow in and out of your account is so lazy to me, and just allows you to lose control of expenses and end up with an over draft. I'm making a hobby out of managing personal finance and watching it improve. 😁
I am obsessed with my budgets.
Cant understand why some people with money dont know how to budget?
Hire me, I am a trustworthy and I love budgeting and paying Bill's for others.
Hard part is making substantial money if you work for 10 bucks per hour u ain't buying houses cars or gettin out of debt. Now if u make 6 figures and still struggling you are complete idiot who doesn't deserve that money. Simple
We need it in pounds for us English lot! Looks so good!
hey Dave Ramsey, it’s not available in other countries such as Australia. Can you please change this in itunes.
9.99 for the subscription?? Seems a bit high.
Ha, just write on paper. It's free!
There is a free version! Just be sure to double check your bank statements every two weeks to make sure you haven't forgotten anything. (Like my annual web hosting bill I had forgotten)
Mint works way better for me. I initially tried EveryDollar but Intuit Mint is better and also free to add in your bank accounts, 401k, HSA, everything. Shows net worth and a categorized budget. Love it!
Pokemonguy16RS paper does not automatically track your spending, and put it into categories.
How can you allocate the money to bills Before you even get your paycheck and especially if your paychecks fluctuate how do you make a precise budget with fluctuating income
2nd month I use the every dollar app and I have no regrets!
I would love to use Every Dollar, but it doesn’t support the currency I use! Please make the app available for international currencies!
Mary Jeanne Brenholts just ignore the dollar symbol
Love the name x
Why on earth would you not just use the Mint app?? Links all your bank accounts and is 100% free.
Combine everydollar app with spending tracker app, and you WILL NOT fail. Dave is genius😆
Burgers R Us!! 😂😂😭😭
I don’t profess to be on Dave Ramsey’s plan, but EveryDollar is absolutely the best budgeting app I’ve used. Most of the others pretty terrible.
It's not available in India :(
Hi Guys, any plans to make everydollar available to the uk?
paulnjulia I wish they would 😀
Can't download the app in Malaysia :(
I do my budget weekly per check is that okay
yhwh strateuma do your budget at the beginning of the month and adjust weekly depending of something comes up or you get more than you thought. You can move things around as needed. So essentially, you have a master paper or spread sheet budget and can use every dollar or envelopes. I hope this helps :)
Mel G - I do exactly what you describe when I do my budget.
Mel G ok I guess that what we do we set out everything on a monthly calender then each paycheck we decided what to do with it.
Yes
Can you make an every dollar app for iPad?
Is there any every Indian rupee app?
Tim Daniel just ignore the dollar symbol....
Sadie Lanier I'm in Thailand and can't even download Every Dollar, says its not available in your country
I haven’t tried Every Dollar but I use Coin Keeper. Coin keeper is a spending tracker and also has a goals options. You can get the premium full version for a small money. It provides conversion between different currencies and provides syncing options that helps to check anywhere on the internet as well.
Burgers R Us lol
Everydollar plus can take days to show charges and is not worth it
What's the difference between this app and mint?
With this one you manually move your expenses to a category whereas mint does it automatically for you. Doing it manually is better according to what Dave says which makes sense.
Dany Pell thanks!
EveryDollar needs a iPhone X update BTW.
What’s a little bit? Be transparent
Know I don't have "every dollar". But I do a money app. I use it like a "running meter". And what the funky monkey. I spend waaaay to much money. But my bills are paid on time now. I'm save money now. I'll take a look at the app before I leave the house. To see how much money I have. And if i'm broke. I stay home.
Why would this dude wanna see me win! Lottery is a setup and people know where to go to win. Meaning someone inside is talking. Fact's.
You Need A Budget (YNAB) is better. Don't be fooled when Dave says EveryDollar is free. It's not.
It is free. I've been using it for free since September. Just be sure to double check your bank statements every two weeks to make sure you haven't forgotten anything. (Like my annual web hosting bill I had forgotten)
second
First 😁