# 10 Numbers That Will Change the Way You Look at Your Budget

We’re here to talk numbers. Wait! Come back!

These aren’t chalkboard-squeaking, SAT-sweating, pencil-breaking numbers. These are fun numbers. You know the ones that show themselves on bills and bank accounts, the ones that make you wealthy. These are the numbers of the budget.

For over 20 years, Dave’s class Financial Peace University (FPU) has taught families how to win with money by laying a solid foundation, which is—you guessed it—starting a budget! The 10 numbers below prove that even the most free-spirited among us can benefit from a little focus on the numbers each month. Here’s some inspiration on starting your budget today.

1 – One piece of paper is all you need to make a budget. Forget the fancy spreadsheets and scientific calculators—you just need space to write everything out. Of course, if you’re a nerd and it makes you feel better, go ahead and fire up Excel or print one of Dave’s budget forms to get as detailed as you’d like. Not a fan of budgeting on paper? EveryDollar is Dave Ramsey’s free online budgeting app. It’s the easiest and most efficient way to give every dollar in your budget a name!

Start budgeting with a free trial of Ramsey+ today!

\$8,000 – People who learn to budget in FPU report an average turnaround of \$8,000 in the first 90 days. This represents \$5,300 reduction in debt and \$2,700 saved. Think about where you were at just three months ago. Wouldn’t it feel nice to be \$8,000 ahead today?

68% – We talk about budgeting all the time, so it might sound like it’s what all the cool kids are doing. It’s not. In fact, 68% of Americans admit they don’t budget. Many of them don’t even know what they spend each month on housing, food and entertainment. Don’t be like these folks. Be weird!

0 – A zero-based budget is the key to winning with money. Give every dollar a name, on paper, on purpose before the month begins. This means your income minus your expenses should equal zero. Take control of your money by telling it what to do!

15% — Studies show people spend 15% more money when they pay with a card instead of cash. Identify budget categories where you tend to overspend. Then make a cash withdrawal for those areas and place the money in the envelope. When it’s gone, it’s gone!

3 – A kid’s budget is broken into three areas: give, save and spend. Budgeting helps kids understand the value of work and how to use their own money to make purchases and bless others. It also teaches kids to be content—a refreshing quality in today’s youth.

20 billion – The turnaround tracker is at 20 billion and counting. More than 2.5 million families have taken FPU since it launched in 1994. The tracker is a real-time calculation of the estimated turnaround that occurs each time another family signs up for FPU. While you’ve been reading this, another family likely paid off their car loan and saved \$1,000!

18% – Families who use the zero-based budget save 18% more money than people who don’t. This means they'll build an up emergency fund and pay off debt more quickly simply because they're applying the wisdom of giving every dollar a name. If you’re smart, you do what works.

4 – The first time you budget, it’s going to hurt. The next month, you’ll still be confused. By the third month, your needs—and the ability to meet those needs— will finally start to make sense. By month four, you’ll feel like an old pro. What once took hours will eventually take just twenty minutes and might—just might—be a little fun.

348 – Dave and Sharon Ramsey filed for bankruptcy in September 1988. As a result, they made big changes to how they handled their money. Dave and Sharon began budgeting immediately and the budgeting continues today. They’ve completed 348 budgets so far. Yes, Dave and Sharon still complete a budget each month—and that means you should too.

The secret to winning with money starts with a healthy budget. Whether you're just getting started or need an easier way to do the numbers, Every Dollar can help. It's fast, easy and FREE! Sign-Up today.

## 8 Money Tips for Singles

Are you single and ready to . . . budget? Check out these eight money tips for singles that will help set you up for success!

Anthony ONeal

## How to Budget After a Job Loss

Job loss and pay cuts are scary, but you can still make the best possible decisions with your money right now. Stand up against that fear with these practical budgeting steps.

## What Is a Budget?

What is a budget? It’s not a restriction on spending—it’s a plan for what you’ll do with your money. Find out some budget myths and the best way to budget.