budget

Maximize Your Money Plan With 3 Tips From Financial Coaches

4 Minute Read

You know the feeling.

The one when you’re hitting all your financial goals, sticking to your money plan, saving money, and slaying your debt. It’s an awesome place to be, and lots of people find themselves there by the end of Financial Peace University (FPU).

If you’ve graduated from FPU, read The Total Money Makeover, and made some progress, we’re pretty sure you want to keep that progress going. You don’t want to backslide into your old financial ways—and we don’t want you to either!

The money class that will change your life!

Get Started

Or maybe you’ve been struggling to stick to your money plan since FPU ended. It can be tough working toward your financial goals on your own. After all, financial success is a marathon, not a sprint. Success takes patience, hard work and endurance over years. If it were easy, everyone would be on Baby Step 7!

Find Support for Your Money Plan!

Whichever situation you’re in, it’s helpful to have some extra, ongoing support. If you’re looking for accountability, hope and personalized guidance, our network of financial coaches can help. They’re real people who’ve been trained in the principles Dave teaches and who guide clients step-by-step in creating personalized money plans . Dave has his own team of financial coaches, but those same coaches also train others to serve as local coaches in their own communities all over the country. We call these people Ramsey Solutions Master Financial Coaches.

And when it comes to offering support and accountability after FPU, these people are pros. So from their own experience working with thousands of clients, what’s their best advice for post-FPU success? Here are their three biggest tips for sticking to your money plan.

1. Set smart money goals.

You’ll see more success with your money if you set good goals. Naming a destination on your “money map” keeps you headed in the right direction instead of wandering aimlessly!

Smart money goals have five characteristics: They’re specific, measurable, time-limited, your own, and written down (preferably somewhere you and others will see them often, like your bathroom mirror or social media account).

2. Stay plugged in.

Dave Ramsey and his team offer all kinds of tools to inspire, encourage and equip you to win with money on a regular basis. For a daily dose of encouragement, listen to The Dave Ramsey Show on the radio or via podcast. You can also watch the show live on the video channel and join a live chat with other viewers! Or sign up for our weekly newsletter for ongoing tips, encouragement and practical advice for sticking to your money plan. The important thing is you making those proven money principles a part of your daily life.

3. Keep budgeting.

You already know you should be doing a monthly budget. But if you don’t have your FPU classmates to keep you motivated, maybe you started skipping a month here or there. Or you started copying and pasting your budget from one month to the next instead of creating new ones to address each month’s unique expenses.

Both of those things will derail your goals and put you right back into debt. As simple as it sounds, making a new budget each month—and sticking to it—really is the kryptonite to your money problems.

Find a Financial Coach

Need more help reaching your goals on your money journey? A financial coach might be exactly what you need. They can sit knee-to-knee with you, talk over the phone, or chat on video conference to help you develop a money plan that’s specific to your financial situation. If you want coaching and accountability, a local coach in your own town can provide it! Find one today!

More from the Blog

New to Dave? Start Here!

Sign Me Up (It's Free!)

Bye Bye Money Stress!

Sign Up (It's FREE)

Bye Bye Money Stress!

Get the world's best budget app, EveryDollar and start taking control of your money. Create your first budget in 10 minutes!

Take control of your money this year with the world's best budgeting app.

Sign Up (It's FREE) Everydollar website

Thank You!

A confirmation email is on its way to !

Next: Start Your Year Off Right!