![]() Clark Howard is preferred to Dave Ramsey at times as his approach and explanations are not as extreme and allows people to feel they can still live their lives while taking control of their finances. His website is full of resources on credit, insurance, investing, and retiring. ![]() Clark HowardĬlark Howard is a consumer expert with a top-rated podcast, The Clark Howard Podcast, and has a nationally broadcasted radio show, The Clark Howard Show. Her social media following is growing as she speaks particularly well to stay-at-home parents trying to navigate living on a single income while providing fulfilling opportunities and experiences for their families. Kumiko Love, who is known best for her social media accounts, is called The Budget Mom, making her place in the personal finance space for her cash-spending approach to spending and saving money. A good budget app can help you take control 2. Although this may seem like a steep price for an app that is supposed to help you save money, most users report saving an average of $200 during the free-trial period. These classes also highlight specific topics like debt-repayment plans, breaking the paycheck-to-paycheck cycle, and more.Īs of this writing, the app has an annual fee of $83.99 and has an option for a one-month free trial before you commit. In addition to these functions in the app, YNAB also offers live 20-minute classes to help users optimize the program. The app tracks and send notifications as you spend in each budget category, notifying you proactively as you approach your budget’s top-ends, allowing you to either adjust your budget or give you time to reconsider your spending before going over budget. YNAB allows you to link checking and savings accounts and credit cards. However, YNAB assesses your financial situation before you start spending. The thought is that you then go into the next month with these numbers in mind. Most personal financing apps have a function to track your spending and give you statistics at the end of the month to see where your money is being spent easily. YNAB sets itself apart from other personal finance apps because of its forward-thinking approach. It is a “forward-thinking and proactive” budgeting program that operates through the YNAB app. If you are looking for a specific program to follow, like Ramsey provides, You Need a Budget, or YNAB seems to be an up-and-coming favorite among Americans. ![]() ![]() Basically, I will provide all the resources you need to help you achieve financial freedom. In this article, I will show you a few other gurus, some self-guided options, and provide lists of recommended books, podcasts, and courses. These are just some options if you are looking to learn effective ways to get out of debt. However, many find his program to be extreme and hard to achieve, so are there any alternatives?Īlternatives to Dave Ramsey include pursuing financial coaching, reading books, or tuning into other personal finance gurus’ podcasts. His one-size-fits-all approach has helped millions find their way out of debt. Dave Ramsey is a money-management expert who has written many top-selling books about personal finance and budgeting. ![]()
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