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.
The first major step in winning with money.
My husband and I have been doing the Ramsey budget for about 3 months now. We have found it severely difficult, not because we are over spending or not living the budget- but because we can’t tell ourselves how much we are going to make that month. Neither of us have consistent hours and we both have multiple jobs. Trying to ear mark an amount of money that we aren’t sure we are getting has been rough. We have begun having bi-weekly budget meetings-on payday and trying to form our budgets that way. But it seems that everything I have learned with you and your father, this isn’t exactly the way I should do it. We are still able to work on our snowball, but Im worried that we could be putting more $ to that debt pile if I were doing the budget better. Is there a suggestion for this type of budget? Thanks
Hi Cat – I wanted to throw out a suggestion to you. Without knowing more background, I would suggest taking all income numbers, broken out by month – over the period of several months and coming up with your monthly average. Another option would be that you could look at the monthly income totals, determine the lowest income and work off that number as your “set” budget. Then, any month going forward that yields higher income for you two is bonus money and can be put towards that smallest debt, and then snowballed as they are paid off. I hope this helps. Good luck & don’t give up!!!
Cat, Did you see my vlog about budgeting an inconsistent income?
I’d love to watch that vlog…we’re in the same boat…how would I find that? Thanks!
Here is the link: http://www.rachelcruze.com/topics/real-life-on-a-budget/how-to-budget-an-inconsistent-income-2#.VQBBeUbD8pAnn~B