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Doing a budget means learning an ancient and powerful word: NO.

Dave Ramsey

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Dave Ramsey
Age: 64
Born: 1960
Born: September 3
Author
Motivational Speaker
Radio Personality
Antioch
Tennessee
Powerful
Word
Means
Mean
Budget
Budgets
Ancient
Learning

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Debt gives you the ability to look like you’re winning when you’re not.
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For your own good, for the good of your family and your future, grow a backbone. When something is wrong, stand up and say it is wrong, and don't back down.
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Without a mission statement, you may get to the top of the ladder and then realize it was leaning against the wrong building!
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You must learn to control your money, or to the permanent deprivation control you
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The thing I have discovered about working with personal finance is that the good news is that it is not rocket science. Personal finance is about 80 percent behavior. It is only about 20 percent head knowledge.
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Financial peace isn't the acquisition of stuff. It's learning to live on less than you make, so you can give money back and have money to invest. You can't win until you do this.
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Credit is an 'I love debt' score.
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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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Bosses push, Leaders pull. Real leadership is servant leadership.
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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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When you create a basic budget and stick to it, it will suddenly seem like you have more money.
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If your life is bad because of an elected official, then you don't have a life.
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A big part of being strong financially is that you know where you are weak and take action to make sure you don't fall prey to the weakness. And we ALL are weak
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What I have done is packaged the time-honored information into a process that is doable and has inspired millions to act on it.
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Where you are today is the sum of every choice you've ever made. If you don't like where you are, start making different choices!
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Money is not good or evil. It has no morals or intentions on its own. Money reflects the character of the user.
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Don't medicate dysfunction with spending. No amount of stuff will get rid of guilt.
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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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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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