This is a sponsored post on behalf of Ramsey Solutions. All opinions are my own.
Most people view the word “budget” as a curse word. To hear that word makes some people hiss like a cat or whimper like a baby. Well, that’s how it used to be in our home. To sit down and make a monthly budget was like pulling teeth. There’s nothing sexy about talking bills and and retirement funds. Not to mention it tends to be a difficult task. Thank goodness for EveryDollar. Have you tried it yet? Let’s talk about what it is, what it isn’t, and how you’ll finally have FUN making your budget. Yes, I said fun. For real.
What is EveryDollar?
EveryDollar is a FREE budgeting website from Ramsey Solutions. Yes, Dave Ramsey and his crew of awesome folks. As a Ramsey kid, I was really excited to see this new project come about. EveryDollar is very simple: you sign up for a FREE account (yup, free) and input your budget for the month. The sections are very self-explanatory, and as you input your information, you’re able to see how much of your income will cover your expenses and savings. It’s designed to help you give every dollar a name, and be responsible when it comes to using those dollars. The site is streamlined and the instructions are simple. Perfect for those of us that loathe creating a budget.
Is Everything Automated?
That’s the best part: it isn’t! You may be saying “wait, why would you be happy that something ISN’T automated?” Well, if you are on a path to being debt-free, or just in a better financial situation, automation is not your friend. You need to be paying attention to where your money is going. While don’t need to do this daily, you do need to do it. EveryDollar is updated when you log in to update it. Once a bill is paid, you need to log in and update. Did you save an extra 10 dollars towards your emergency fund? Log in an annotate it. It’s a great way to help you become more responsible about your money, while making a bit of a game out of it.
Can I Add My “Baby Steps” To My Budget?
No need: the baby steps are already included in your monthly budget! Once you achieve a baby step, you get a green check mark, and are automatically moved onto the next step. This is great for those of us that start a baby step and just keep plugging along without checking periodically. Now we don’t have to. The website will do it for us, and celebrate with us once we achieve our goal.
Is There an EveryDollar App?
There is an app for that! The IOS app is available now, and the Android app is on it’s way. Now the app works in a specific way. You are able to add new transactions, income, and expenses via the app, but you will still need to log into the website and officially add those items. See? You have to do the work to prosper financially! I love this because my husband and I can see what each of us are adding through the app, and then can sit down together later that night to talk about where each of those transactions belong.
Can I Connect It To My Bank Account?
You sure can! You can sign up for EveryDollar Plus. There is a small monthly fee to upgrade to this account, but you can try it FREE right now for 15 days.
There are so many other spectacular aspects of EveryDollar. Check out my video to learn some of the other amenities within the website.
Now it’s time for a challenge! Create a FREE account on EveryDollar today and try it out for the rest of the month. Plug in your income, your recurring bills, and any savings you may have. See how much you like it, and let me know in the comments below. I can’t wait to see what you all think!