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Dave Ramsey says: Put plan to get out of debt on paper for motivation

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Dear Dave,

My wife is so charged up after reading your books, and now she is determined to get us out of debt.

I know this is good idea, but I just don’t have the passion for it she does.

There are also some things I really don’t want to give up. Do you have some suggestions for getting motivated?

— Ken

Dear Ken,

Goals and dreams always have a better chance of coming true if you have a written game plan.

Sit down with your wife at the beginning of each month, and help her do a written budget. Give every dollar a name on paper before you spend anything.

Contrary to popular belief, doing a budget is not torture. It’s also not just a math exercise.

It’s an opportunity for you both to have input on what you want to accomplish in life and how to make it happen.

After two people are married they become “as one.” And that’s how decisions should be made in a marriage, facing all the problems, dreams and fears together.

Once you sit down and do a budget, I think you’ll see where you can cut back and make things happen that you thought were impossible before.

You may have to give up a few things for a little while, but when you see how quickly you can get ahead by making your money behave, I’ve got a feeling you’ll get excited about the possibilities!

— Dave

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