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.
Leave your emotions at the front door of the mall while you’re out shopping this Christmas. Take the budget in and leave emotions out!
Of course I have bought for myself while shopping. I mean, if I buy 3 bath soaps and get 3 free, the free part is for me! 🙂
Yes, more than once…. 🙁 I need to watch this video every time I’m headed out for shopping. nThanks for all your helpful tips!
This is the exact reason I no longer shop for Christmas gifts on Black Friday! I always come home with plenty for me and not much off of my list. This year is different though! I am proud to say that this weekend I left the house with ONLY my Christmas fund envelope and got all the items needed for my homemade gifts including the wrapping and even had a little left over for Christmas party supplies and $4 for a Starbucks treat! 🙂
totally just bought myself a $5.00 shirt and $14.00 pants from tjmxx, but wasn’t planning on spending that Christmas money on myself. So tempting!!!!
This is why I do WAY more on-line shopping now. Much easier to avoid temptations.
Um…yes – but I use $ from my Blow $ envelope if my clothing amount doesn’t cover it.
Gah, yes, all the time… Part of the fun of Christmas shopping is just, well, shopping.
I budget for some Black Friday self spending. It is the best time to get the best prices. But it is in my budget:)
Can you share tips on car buying and throwing a baby shower on a budget?
Yeah, well…. While perusing the Dave Ramsey website, there was this red wallet on sale, and new, *improved* envelopes! Now that hubby’s on board with this style of budgeting, I’ll just give him my old black one (I gave my son the old basic blue one so I could justify the black one) so he can use THAT. Ahem. I have my binder clips at the ready, and we will begin in full force January 1st! Our new “Budge” includes pocket money, so we’ll be less inclined to say, “I’ve been ‘good’ for so long, I ‘deserve’ this.” While Christmas shopping this year I did very well — except when it came to my new daughter-in-law! I want her to have it ALL!
Yep! When I was on my own and knew I wasn’t going to get hardly anything from family due to finances, I bought myself a Christmas/Birthday present. I had saved most of the money already for it but still spent a little of the Christmas budget on my own gift.
Lol! I needed this before Black Friday! Bought myself a new office chair!
Ha! I was so tempted to buy something for myself just a couple days ago! I was in the bookstore to buy a gift for my son and my nephew. I carried two extra books around with me for a while that were for me–“It’s a special edition and its the ONLY one one the shelf! The next time I come to the store they might not have ANY!!!” I put one of them back on the shelf, but carried the other one up to the register with me before finally telling the sales clerk that I decided not to get it after all.