Dave Ramsey is America’s trusted voice on money and business. He’s authored seven national best-selling books: Financial Peace, More Than Enough, The Total Money Makeover, EntreLeadership, Dave Ramsey’s Complete Guide to Money, Smart Money Smart Kids, and The Legacy Journey. The Dave Ramsey Show is heard by more than 12 million listeners each week on more than 575 radio stations and digital outlets.
As a seasoned communicator and Ramsey Personality, Rachel Cruze has been speaking to groups as large as 10,000 for more than a decade. The daughter of Dave Ramsey, she joined Ramsey Solutions in 2010 and uses the knowledge and experiences from growing up in the Ramsey household to educate others on the proper way to handle their money wisely and stay out of debt. Rachel co-authored the #1 national best-selling book Smart Money Smart Kids with her dad. Her new book, Love Your Life, Not Theirs, releases October 2016.
A popular and dynamic speaker on the topics of personal finance, retirement and leadership, Chris Hogan helps people across the country develop successful strategies to manage their money in both their personal lives and businesses. He is the host of the Retire Inspired Podcast and the author of Retire Inspired: It's Not an Age; It's a Financial Number, a #1 national best seller. For more than a decade, Chris has served at Ramsey Solutions as a trusted financial coach and Ramsey Personality.
Chris Brown is a nationally syndicated radio talk show host, pastor and dynamic speaker carrying the message of stewardship and intentional living nationwide as a Ramsey Personality. Available on radio stations across the country, Chris Brown's True Stewardship provides biblical solutions and sound advice for questions on life and money. Prior to joining Ramsey Solutions in 2014, Chris spent seven years leading many to Christ while growing churches in North Carolina and Florida. Chris and his wife, Holly, live in Franklin, Tennessee, with their three children.
An inspiring and enthusiastic presenter, Christy Wright has spoken to groups of thousands at corporate events, women's conferences and some of the country's top universities. Christy is also a certified business coach whose direct and genuine presentations cover a range of topics from business and money management to personal development and goal setting.
At age 19, Anthony ONeal was deep in debt and short on hope with no direction of where his life was headed. But after hitting rock bottom, he turned his life around and committed to helping students find and pursue their passions. Since 2003, Anthony ONeal has helped thousands of students succeed with money in their work and personal lives. Now Anthony has joined Ramsey Solutions to spread this encouraging message to students nationwide as a Ramsey Personality.
My mom, Sharon Ramsey, returns to my video blog to talk with me about how she managed Christmas on a tight budget while my parents were rebuilding their finances after bankruptcy.
Thank you Sharon for your insights. I’m really sweating this Christmas budget. It’s tighter than ever before. You didn’t talk about the food side of Christmas. Can you speak to that? And also I would love some concrete ideas for teens on a tight budget
Thank you both for sharing your insights! We have 2 great kids, 13 and 10, and we’re working to really stay on a budget this Christmas. One of the things I’ve done, and will definitely do again this year, is to fluff up Christmas by shopping the clothing sales this time of year. I put off buying winter clothes (we live in Northern California so I can get away with this), and then wrap up every single piece of clothing individually so that they both have tons of things to open. I would have to buy these clothes no matter what so it’s not really extra spending — it just looks like that. Gift wrap is cheap, and even now when they’re getting older, they get so excited to have a big pile of presents. I swear, they’ll get excited about underwear and socks if it’s wrapped up in Santa paper! For us, that helps keep things from feeling too sparse.
I just recently started following Dave and Rachel after reading their book which I loved. I haven’t been that disciplined with my money (not really a big spender either) and not in debt thank God, but I really want to teach my kids to be money-smart and I’ve learned it starts with me. I have started their envelope system with the salaries I am currently paying them at ages 8, 7, and 4. 🙂 Anyway, what I really wanted to share is that we live in a third world country, Honduras, and most of us here live on a permanent tight budget, or by faith many times I should say. What our families do here for Christmas with our extended families is having the “secret friend” game. We all draw a family member’s name and that’s all we are responsible for buying, one gift for one adult of the family. It is so freeing and so fun at moment of giving the gifts! Whoever has the means and wants to buys something for the little ones can do so, but no one feels the pressure to buy a bunch of stuff for everyone. This really helps our budgets!
These are the things I’m doing for our four this Christmas! Imagine my delight when I got confirmation from Sharon Ramsey herself that these are good ideas; I was worried that I was just being completely random (and cheap!), but now I know I’m on the right track! Thanks for the video. Merry Christmas to you all. 🙂