If I told you to count off your debts, would you count off all ten fingers and still need more? Or would you not have any to count?

If I asked about your investment portfolio, would you be found lacking? Or would you be well-rounded? What about your assets and liabilities, what can you say about those?

A sign reading; “Till debt do us apart”.

We all know that debt is bad, yet some people can’t seem to disentangle themselves. Dave Ramsey; a financial advisor, radio and television personality who has authored six bestselling books, indicates that success or failure with money is based on plans or lack of plans.

Want to know 20 finance tips that have the capability of turning your finance 360 degrees? We have compiled finance tips from Dave Ramsey to aid your financial life;

A jar of coins spilling out
  1. Act your wage. People who win with money live on less than they make. Period. Can’t pay cash? Then don’t buy it.
  2. Debt is not a tool. It makes banks wealthy, not you!
  3. There is no better time than NOW to take back control of your money.
  4. Tell your money where to go, rather than wondering where it went. Start budgeting today!
  5. If you live like no one else now, later you can live and give like no one else.
  6. The fastest way to become wealthy is to gain control of your largest wealth-building tool; your Income.
  7. You can make progress with your money. You just need a plan!
  8. Debt is not a math problem. It is an “I’ve had it” problem. You won’t make a change until you are mad enough to change.
  9. Make SMART money decisions based on your situation.
  10. Everybody does stupid stuff with money. The trick is not doing the same stupid thing twice.
  11. Wealth is about what you have IN the bank, not what you owe to the bank.
  12. Just because something something is “on sale” doesn’t mean you have to buy it.
  13. People who win with money are people who have a plan. Make this the day you begin to make a change.
  14. Normal is broke. It is a victim mentality. Normal sucks. Be weird.
  15. Debt is dumb. Cash is king.
  16. Goals that are not written down are not goals; they are wishes that will never happen. Write it down!
  17. If you keep doing what you’ve been doing, you will keep getting what you have been getting.
  18. Personal finance is 80% behaviour and 20% knowledge. You know what to do. Do it!
  19. Rise and grind. You are the variable that has the most impact on your future and you are in control of that variable.
  20. If you’ve got kids, but don’t have a will, it’s time to step up!

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