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Knock out a small debt first so you get a quick win. Momentum is key.

Dave Ramsey

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Dave Ramsey
Age: 64
Born: 1960
Born: September 3
Author
Motivational Speaker
Radio Personality
Antioch
Tennessee
Firsts
First
Momentum
Knock
Quick
Debt
Keys
Small
Winning

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Doing a budget means learning an ancient and powerful word: NO.
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My children were taught at an early age how money works and that it comes from hard work. They've been on a commission - not an allowance - since they were little. They learned that if they worked around the house, they got paid. If they didn't work, they didn't get paid.
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Too many people try to do the new job, new spouse, new house, new car thing in 18 months. That's a good way to end up broke. We've got to resist the temptation to catch up with our parents in 18 months. Slow down. You have the rest of your life to play catch up. After all, it's just stuff.
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I'm a Christian. Years ago, I went broke, so I decided to run every part of my life according to the Bible. It sounds hokey, but it works. You run your marriage that way, and it works. It will work with business, too, and finances. Treat people like you want to be treated.
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I'm not against people having new cars. I'm against them having you. We spend a tremendous amount impressing somebody at the stoplight who we'll never meet. It makes you broke and keeps you broke.
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Work-get paid don't work-don't get paid. Everybody is on commission
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I can't tell you how many home businesses are almost in bankruptcy court over a Yellow Pages ad only to find out that the Yellow Pages ad isn't where their market will look for them, and it cost more than they thought.
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You can't work three hours a week and make $100,000. Get rich quick doesn't work. Crock pot mentality always defeats microwave mentality!
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Winning at money is 80 percent behavior and 20 percent head knowledge. What to do isn’t the problem doing it is. Most of us know what to do, but we just don’t do it. If I can control the guy in the mirror, I can be skinny and rich.
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Christmas is about giving. Be outrageously generous. Have fun, enjoy the process....then keep it up all year.
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Investing is important, but get debt-free first. That's what frees up your income so you can win.
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Be an evangelist with your excellence.
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I came to realize that my money problems, worries, and shortages largely began and ended with the person in my mirror. I realized also that if I could learn to manage the character I shaved with every morning, I would win with money.
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Great talent stands in line to join your team because the culture becomes the stuff of legend.
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When you're trying to achieve a goal, negative people will just bring you down. Surround yourself with the positive.
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A budget is telling your money where to go instead of wondering where it went.
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Stupid is not illegal.
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Delegation requires the willingness to pay for short term failures in order to gain long term competency.
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You don't build wealth with credit card rewards and airline miles. You can't beat the credit card companies at their own game.
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Don't medicate dysfunction with spending. No amount of stuff will get rid of guilt.
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