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How to Stop Financial Stress and Take Control of Your Money

How to Stop Financial Stress and Take Control of Your Money

Financial stress is one of the biggest issues for American’s today. Stress about money gets progressively worse but thanks to covid, this is one of the worst years since 2008. Before the pandemic, Carnegie Mellon reported that 78% of American’s were living paycheck to paycheck. The average American has over $6,700 in credit card debt and 2/3 of American’s struggle to come up with $1,000 in an emergency.

After talking with a few clients, I realized that this is a huge issue for MOST people and so I wanted to bring someone onto the podcast to talk about money, budgeting, saving and all the things around money and being more in control of your finances.

Rachael Lopez is on the podcast this week, to listen to part 1 of our financial series click HERE. Next week for part 2, Rachael and I talk about how to not blow your Christmas budget, how to shop on the cheap, and how to use a few holiday money savings hacks. So, stay tuned for that.

Rachael Lopez is a financial coach and she teaches Dave Ramsey’s Financial Peace University. She helps families get out of debt, get control of their finances so they can change live better lives. This is the same program that Zack and I enrolled in when we were first married.

The Christmas before we got married my mom gave us Financial Peace University (or FPU). At the time, I thought it was just her way of telling me I was spending too much money on our wedding. Hind sight being 2020, it is the best gift we have ever received.

If you don’t know who Dave Ramsey is, he is a talk show host, professional money educator and all-around financial mastermind. He runs a huge company which teaches people how to get control of their money, live on a budget, build wealth and give. All the principles he teaches are based on the Biblical principles and they have helped millions of people get out of debt, build wealth and change their family tree.

His program is called Financial Peace University and it is taught at churches, community centers and other types of offices all around the world. Today, we will talk about the 7 Baby Steps, living on a budget, and how sinking funds eliminate money stress in your life.

How to get started when getting control of your money?

Live on a budget. Live on less money than you make.

A Zero-based budget is the best way to go. If you want a worksheet to help with this go to to get a free budget tool, or download the Everydollar app. Basically, you write down your income, then subtract all of your expenses and it should equal zero. There should be a line item in there for debt payment and all your extra money, everything you save, sell, or find in your couch cushions goes in this category.

Now, with the money you were able to save from your budget on the debt payment line, you apply that to the Baby Steps.

What are the Baby Steps?

The Baby Steps are a 7 parts system for exactly how to save money, get out of debt, invest for the future, and give. These should be done in the order they are presented, one at a time.