And he’s also a New York Times bestselling author. He’s a frequent guest on all the major network news channels. Pictured below are my family with Dave on a recent visit to his studios outside of Nashville.ĭave Ramsey is the host of the long-running Dave Ramsey show heard on radios nationwide as well as in podcast form. Just sign up and spend on your Visa card and earn automatic savings back on your statement! They’ll even handle the hassle of canceling memberships you no longer want or renegotiate bills for you like insurance and cable bills. It’s a great way to put a few extra bucks in those envelopes each month! The app automatically looks at your monthly bills & spending and then cross-checks that with savings programs almost all vendors have. If they can’t reduce your bills, it costs you nothing. If they can lower your payments, they take a small percentage of the savings. They negotiate with the bill companies of your choice. Most importantly, let’s figure out why the cash envelope system works and how it can help your situation!Īs a faithful follower of Dave Ramsey for almost a decade, my family has paid off tens of thousands in debt and built a sizeable emergency fund and if we can do it, so can you! Want an easy and cheap way to cut your bills? But let’s investigate Dave Ramsey’s envelope system and his overall plan in great detail. You’ve probably heard of Dave Ramsey, the man who literally saved my family’s financial future. If any of that sounds familiar then you’ve come to the right place! They can lead to things like bankruptcy and foreclosure and other devastating events.
Let’s face it, debt and money challenges are stressful! They can disintegrate marriages and take their toll on our health and our relationships with family and friends. You only spend what you have and if it runs out you don’t spend more in that category until next payday.
Here’s what it is and how we implemented it:ĭave Ramsey’s envelope system uses a series of envelopes labeled by category (groceries, auto, clothing, restaurants, etc) and every payday you take out your budgeted amount of cash and divide into the envelopes.
What made all the difference was learning and following Dave Ramsey’s envelope system. Back when my wife and I first started our journey out of debt, we weren’t getting the traction we needed.
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