Great conversation with Ken Coleman. Budgeting isn't easy at first, but it's worth it. You've got to push through a few months to learn how to get your budget right. It's only when the pain of where you are exceeds the pain of making the change that you will actually decide to CHANGE. The struggle at the beginning is part of the learning process. Push through— you'll get there. You can do this! 💪 | Dave Ramsey

Things are rarely as bad as they seem. When you put it on paper, you'll start to feel some freedom. Begin with making a budget: https://goo.gl/JtY3PD | Dave Ramsey

Finally, a FREE app that makes budgeting easy! | Dave Ramsey

Overwhelmed by debt and not sure where to start? Let me introduce you to the debt snowball method: a proven way to pay off debt fast and build momentum. Here’s how it works: 1️⃣ List your debts from smallest to largest balance (ignore interest rates). 2️⃣ Pay minimums on everything except the smallest debt. 3️⃣ Attack that smallest debt with everything you can until it’s gone. 4️⃣ Once it’s paid off, take that payment and roll it into the next smallest debt. As you go, your payments grow like a

Minimum payments = minimum progress. Stop spinning the tires and start making real progress with a plan and a goal. Try the Debt Snowball Calculator. | Dave Ramsey