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Making Dave's Advice Work For You

Back-to-school for the kiddos means back in the groove for the rest of us. But you know what? That's a good thing! The truth is that as you settle back into your regular routine, you're much more likely to get a handle on your life and reach your goals!

This time of year marks a great opportunity to look at where you are with your money, where you're going, and how to get there. Do any of these scenarios sound familiar?

You've fallen off the horse and have days where you think that this money thing just isn't your cup of tea. Make the decision right now to take the first baby step toward success.

Things are going "okay," but you've been slacking off for the summer. It's time to get fired up again!

You've been sitting on the sidelines—listening to Dave's advice but never doing anything about it. Consider this your call to action!

Wherever you are right now, these four tips will help you make your money—and Dave's advice—work for you!

Write It Down

Dave is a big fan of writing down your goals. He talks and writes about it often. There's just something about writing things down that adds power and tangibility to them. A dream is just a dream until you write it down ... then, it's a goal! When it comes to budgeting, give every dollar a name by spending it on paper, on purpose before the month begins. And remember, the dullest pencil is sharper than the sharpest memory!

Start Small

You know how to eat an elephant, right? One bite at a time! It's like losing weight or getting in shape. If you try big, crazy, extreme plans or diets, you're setting yourself up for disappointment. Don't try to take shortcuts. Get on a plan that works, and stick to it. That's what Dave's seven Baby Steps are all about: adjusting your position a little bit at a time until you've completely turned things around.

Get Intense!

You've got to get wired up and fired up about where you want to go! Do what it takes to keep yourself motivated, whether it's listening to people scream "We're debt freeeee!" on Debt-Free Fridays, reading powerful success stories, or making stuff with cut-up pieces of your credit cards. Continually think about why you're doing what you're doing. One way to do that is to keep a photo of your loved ones in your checkbook or envelope system, and remind yourself: I'm changing my family tree for them.

Get Support

Personal finance is only 20% head knowledge. It's 80% behavior change. That will make all the difference! That's why it's important to surround yourself with people who have the same goals, so you get the support and accountability you really need. There are thousands of Financial Peace University classes starting all over the nation. Take the step to get plugged into a community of support and encouragement that's a whole lot of fun for all involved. Find a Financial Peace University class in your area. You can attend the first lesson for free! Connecting with our new FPU Facebook page is another great way to get daily motivation to work your way through the Baby Steps!

Get a FREE customized plan for your money in 3 minutes! 

As the season changes, it's your chance to give yourself a fresh start! Good intentions won't change anything, but intentional action will do wonders. Jump in with both feet, and start doing the little things that make a big difference in your life!

We support your goals and are here to help! Our free budgeting tool can help get you started on your financial goals today. Learn more about EveryDollar at!

Ramsey Solutions

About the author

Ramsey Solutions

Ramsey Solutions has been committed to helping people regain control of their money, build wealth, grow their leadership skills, and enhance their lives through personal development since 1992. Millions of people have used our financial advice through 22 books (including 12 national bestsellers) published by Ramsey Press, as well as two syndicated radio shows and 10 podcasts, which have over 17 million weekly listeners.