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WHAT IF YOU KNEW WHERE ALL OF YOUR MONEY WAS GOING EACH MONTH?

Are you ready to take control of your money? Do you know someone who needs to take control of their money? Financial Peace University (FPU) is a nine-lesson course designed to help everyone build a budget, dump debt, grow your wealth, and leave money stress behind! Each lesson, taught by Dave Ramsey and his team of financial experts, is based on biblical wisdom and common sense. In the FPU group, you’ll be motivated and encouraged by others just like you! When you sign up for FPU, you’ll get your member workbook and one free year of Financial Peace Membership, with access to exclusive online tools to help you on your journey. Classes are held in the Fall and the Spring. Contact Peter White at Peter.c.white@comcast.net for more info.

Dave Ramsey is one of the most popular and respected teachers of financial management in the country today.

Buy a cheap copy of Dave Ramsey's Financial Peace University. Book by Dave Ramsey. 91 Days to Beat Debt.And Build Wealth Free Shipping on all orders over $10. And Build Wealth Free Shipping on all orders over $10. The workbook has been used. All forms on pages are written in. edited. I contacted customer service regarding. Dave Ramsey's Financial Peace University 2019. Filmed at the Bay State Baptist Church in Billerica, MA.

You can learn more about him and this course by going to:

Add Your Income

Whether you get paid a regular salary or have an irregular income, you need to look at the month ahead and figure out what you have to work with. This includes any money you earn—money from paychecks, side jobs, or even a yard sale. If it's money coming into your bank account, list it as income.

List Your Expenses

Next, identify your regular monthly expenses. Start by covering your fixed expenses like your mortgage or rent, utilities, and other bills.

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Next, list your essentials like food, transportation, and clothing. If you're not sure what you spend on your fixed and essential expenses, we recommend checking your last few bank statements to see how much you typically spend in each category every month.

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Now on to the fun spending—take a look at your calendar for the upcoming month. What plans do you have? Factor in expenses like dinner with friends, concerts and school field trips. What else do you spend money on? Don’t forget gym membership fees, coffee runs and everything in between. Remember to factor in personal spending money too. Being on a budget doesn’t mean you don’t get to have any fun! You just have to account for your financial goals and other priorities first.

Related: How to Budget for Unexpected Expenses

Budget to Zero

Now that you’ve accounted for your income and expenses, you should have zero dollars left to spend. If you haven’t made it down to zero yet, adjust your budget until every dollar is in a category—that’s your number one goal when creating your budget each month.

If you’ve listed all of your expenses and have money left over, use it toward one of your money goals—like creating an emergency fund, paying off debt, or saving for retirement. By giving every dollar a job to do, you’re ensuring every dollar is accounted for and working for you and your goals. That’s EveryDollar budgeting!

A Note About Giving

We believe in giving. Always. Extract serial key for spss 23. Tithing to your church, donating to charities, supporting worthy causes—even if you’re in debt. It may sound crazy, but it’s actually legit. Generosity shifts our focus off of our problems and our financial shortcomings. And when you share your income, you appreciate it more. Contentment doesn’t come when we have enough—it comes when we see that what we have is enough. When you give, everyone wins. We recommend giving 10% of your income.

Track Your Spending

Now that you’ve created your budget, it’s time to follow through. While you’re out and about buying groceries or eating at restaurants, be sure to track your transactions. When you keep up with your spending, your budget keeps up with your life.

You can do this!

Remember, this is your budget. This is your money. Make both work harder for you with Ramsey+. Our premium budgeting tool connects to your bank, streams in your transactions, and now gets you access to Financial Peace University, our motivating nine-lesson class on how to crush debt, save, and build wealth.