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Hey, Budget Besties! 🎙️

In today’s episode, we’re diving into something we hear all the time — you’ve tried the Dave Ramsey method, but still feel like something’s missing when it comes to the actual budgeting part. We get it! Dave’s method is great, but it doesn’t always answer the real-life, day-to-day money questions like: “What do I do with the random stuff that keeps popping up?” or “How do I handle paychecks that come in right at the end of the month?”

This episode breaks down:

• Where the Dave Ramsey method stops, and where our budgeting system starts: We love Dave’s Baby Steps, but budgeting is more than just steps – it's knowing where your money is going and having systems in place to deal with everyday expenses.
• Budgeting for ‘Miscellaneous’ expenses: If you’ve ever been caught off guard by last-minute purchases like charcoal for the grill or weed killer for the yard, this one’s for you. Spoiler: those expenses aren’t random at all – they happen all the time! We teach you how to plan for them on purpose.
• How to handle bills when paychecks fall at the end of the month: Should you use your August 30th paycheck for your September bills? (Hint: Yes! And we explain why you should always aim to be a paycheck ahead.)
• Debt snowball strategy: If you’re wondering when to make extra debt payments, the answer is NOW. Don’t let that extra money hang around—pay off that debt as soon as you get the funds. We’ll explain how this keeps you on track and out of temptation.

Key Takeaways:

1. Plan for "Random" Expenses: Items like weed killer or smoker charcoal aren’t surprises, so stop treating them like it! Plan for these in your budget and avoid the frustration.
2. Use Your Paycheck at the End of the Month to Fund Next Month: Getting paid on August 30th? Use that check for September’s bills. The goal is to always be a paycheck ahead so you’re never scrambling.
3. Pay Debt Every Paycheck: Don’t wait for the end of the month to make a big payment on your debt snowball. Every paycheck should chip away at it — this keeps the momentum going and avoids the risk of spending that money elsewhere.
4. Separate Spending and Bills Accounts: The easiest way to stay organized is to separate your bills from your spending. Trust us, this one change can make all the difference!

4 Ways To Connect With Us:

1️⃣ FREE CALL: Book your FREE 20-Minute Financial Coaching Call now! Get personalized advice and start your financial journey ➡︎ https://www.budgetbesties.com/freecall

2️⃣ FACEBOOK: Become part of our Supportive Facebook Group. Connect, share, and learn with others mastering their budget skills ➡︎ https://www.budgetbesties.com/facebook

3️⃣ BUDGET: Grab our Signature Budget Template! It's your key to organizing and optimizing your finances effectively ➡︎ https://budgetbesties.com/budget

4️⃣ COACHING: Ready to dive deep into your finances? Sign up for 1-on-1 or Group Financial Coaching. It’s the accountability and guidance you need to make real progress ➡︎ https://budgetbesties.com/coaching

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