Myth: I don't have time to work on a budget.
Truth: You don't have time not to make a budget!
The dreaded "B" word. Budget. The only other word that starts with "B" that might generate a worse reaction in most people is the word bankruptcy.
Unfortunately, the word budget has gotten a bum rap – it is basically just a PLAN. When you budget, you're spending on paper, on purpose, before the month begins. But many people view a budget as a straight jacket that keeps them constrained. Freedom and budget just don't seem to go together.
However, when you see that a budget is just spending your money with intention, you'll actually experience more freedom than before. Many people say they've found even more money when they created a realistic budget and stuck with it.
Here are some pointers:
When you are spending your money on purpose, you will be on your way to a Total Money Makeover. You will be on the road to changing your family tree forever!
With Dave's Personal Finance Software, you'll be able to:
Your use of these products signifies your agreement with the usage rules. You agree to only use these products for personal use only, and agree not to distribute these products to anyone outside your immediate family. You are entitled to export burn or copy these products for only personal use. You are permitted to burn each file no more than 10 times. The purchase of these products for your personal use, in no way transfers to you the rights of these products for commercial or promotional rights. The Lampo Group reserves the rights to change or modify this usage agreement at any time. You will be allowed to download the file 2 times.
Deluxe Envelope System $19.95
Financial Peace Junior $19.95All downloadable products require a high speed internet connnection such as Cable, DSL, or Satellite internet. Please do not attempt to use a dial up connection.
To get your downloadable product, simply complete your order and then open the order confirmation email you will receive at checkout. Scroll down to the bottom of the receipt to a section called "eShipments." Click on the link BELOW the title of the product you purchased that contains the downloadable product(s). A dialogue box will appear. Select "Save File to Disk" and select your desktop as the destination. Go to your desktop and find your downloadable goods. You are done!
Some files have been zipped (compressed) to decrease download times. Both Windows and Mac OS have built-in software that will convert the zipped file into a usable file when you click on the file to open it.
*Note: Although the Personal Finance Software can be unzipped with a Mac system, it is not compatible with Mac Computers and is not able to be installed.
Contact Store Support (storesupport@daveramsey.com) or call 1.888.227.3223 with your questions regarding downloadable products and any error messages you receive while trying to place an order. All customer service inquiries should be directed here.
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