If you’re a fan of Dave Ramsey, this likely isn’t the course for you. One of his famous quotes is that you weren’t born to pay bills & die. After following Dave’s advice to the tee for almost 12 months that’s exactly what my life felt like…. nothing but paying bills. I was able to pay off a $20,000 car loan in less than a year while living on a very low salary. You would think this was such a huge accomplishment, but at the end of it I was disgusted with myself. I spent an entire year of my life doing nothing but putting every penny towards this goal. We rarely ate out, and when we did I would get upset with my husband for spending $3 on the unnecessary drink. We didn’t give gifts, we didn’t invest, we had absolutely ZERO fun. Almost immediately after paying off the car we traded it in for a much more expensive vehicle and decided that balance is the most important thing to life. You will not be spending the next year of your life paying bills & not living. We will buy junk on Amazon, have Starbucks, go on vacation, & buy gifts for friends…. All while maintaining a budget. We will pay off debt & invest at the same time, because it doesn’t have to be one or the other. Most importantly, my plan allows you to LIVE your life, while still reaching your goals.
- 13 page PDF with detailed instructions on where to start, and FREE apps to use to help you organize your finances
- 10 minute video walking through the apps I use and sample budget I have created for you
- 11 min video with money saving tips for your budget
- Excel Sheet with a sample budget, and template for tracking debts (also works on google sheets)
- All items come as digital downloads which will be emailed to you immediately after payment. Any updates or additional videos will be automatically emailed to you
This is a beginners guide, for people who don't know where to start or are overwhelmed with options. This is the guide that I wish someone would have handed to me at 18 years old. If you're looking for a higher level of advice I recommend the Rich Dad Radio Show podcast, or any of Robert Kiyosaki's books.
This document doesn't have beautiful fonts, and color coded pages. The margins are off and there are probably lots of grammatical errors, but I can GUARANTEE that it is worth the low price! If you read through and don't get a single thing from it, please let me know and I will refund your money with no questions asked.
***This should not be considered financial advice, simply opinions that are my own and a plan that works for my family.