Time Management Using Dave Ramsey Principles

My husband and I are huge fans of Dave Ramsey’s money managing advice and the principles he teaches that encourages productivity with money.

The Dave Ramsey strategies not only teach you to get out debt while you learn how to manage your money but to use a budget as you’re doing it.

His common sense approach has helped us get out of debt, save our money, and build our emergency fund.

At one point in my homemaking journey, I realized that his advice could also be applied to how I managed my time as well.

This was a game-changer! The fact that I could actually manage my time, like our money!

Yes, money like time can be managed to help you get the most out of every minute of the day.

You can get more done.

Become more productive.

And stop wasting time.

But how? By learning to use Dave Ramsey principles. Keep reading.

The Basics of Creating a Budget

Budget to Zero

Dave recommends that when creating a budget, you spend the money on paper even before the month even begins.

Spending all of your money on paper before the month begins means that every single penny is ‘spent’ in a category.

This is a called a zero-based balanced budget.

You are giving every penny a name. You are telling your money where to go. You become the boss of your money and that puts you in control.

And this concept of budgeting can be applied to how we spend our time in our homemaking as well. Just like with money, you become the boss of your time.


1. Plan Your Time as a Couple

Just as you would plan the categories where your money would go as a couple; plan your calendars together as well. Sit down with your husband and talk about the upcoming day, week, or month. Write down important dates, listen to each other, and share common goals.

This allows you to make goals that affect the family and each other. This communication on how you will spend time as a family and individually strengthens a marriage.

His schedule and your schedule will work better and are more cohesive if they are planned accordingly.

Always begin with your time as a couple. Not only does it place a priority on marriage and each other, but it places an emphasis on time management.

2. List Daily and Regularly-Occurring Activities in a Daily Planner

Food, gas, insurance, and utilities are normal monthly expenses that are in nearly most family budgets. And the same can be done for daily and regularly-occurring tasks and activities within your schedule (showering, running errands, household chores, working out)

Begin by adding your daily and regularly-occurring activities into your schedule. Even if this seems repetitive, it gives you an idea of how much time you actually have to ‘spend’ in your schedule.

Begin by using a daily schedule that shows all of your waking hours. List your daily activities within those slots. It is easier to have a daily planner for

Once you list your regularly scheduled activities, then you can begin to add other activities that you would like in your schedule.

3. Don’t Be Afraid to Trim the Budget

If you had a monthly income of $4,000 but discovered you were spending $5,000 monthly, in order to have a successful budget it would be necessary to trim the excess from your budget.

Perhaps you would trim the budget by cutting out extra restaurant visits, extra spending on beauty supplies, vacations, and any other areas to whittle away at the extra $1,000 being spent.

This same concept applies to your time. If you find that your schedule is too full and you are consistently unable to get things done, you have too much going on in your schedule.

It is necessary to eliminate distractions and get rid of unnecessary activities that steal or waste your time.

We are all given the same amount of time, but how we spend them is up to us.

It is easy to fritter away our time by playing on our phones, going shopping, or watching television. Even our hobbies can eat into our precious time.

There can be too much of a good thing for anybody.

For example, spending too much time working out, cleaning, doing crafts, or volunteering can take away time from our families and home. Trim your schedule, like you would trim a budget, of unnecessary tasks or activities to have a more manageable schedule.

4. Make a Schedule and Stick to It

As a whole, women are a busy bunch of people.

Whether we work at home, are a homemaker, have a career, have children or don’t have children; our schedules are packed and the calendar is full.

We fill our time with various activities such as work, play, sports, leisure, church, family time, homemaking, our children’s activities, and in pursuit of our own hobbies and passions.


You and I have all been given the same 24 hours in a day.

What we choose to do with that time is up to us.


A schedule or a timetable, as a basic time-management tool, consists of a list of times at which possible tasks, events, or actions are intended to take place, or of a sequence of events in the chronological order in which such things are intended to take place. (Collins English Dictionary)


We need routines because they allow us, especially as busy women to grow and develop those habits that help us to create an efficient home as we serve our families.

We need schedules because they tell us when we should accomplish or work on our routines.

There are many types of routines, and they all serve the same purpose.

But not all routines are successful.

Why most routines fail:

  1. They are too strict.
  2. They are too vague.
  3. They are not followed.
  4. They provide no flexibility.
  5. They have no goals.

Pick a routine and stick to it.

If you are in need of assistance in creating a routine, you may find these posts helpful.

How to Create a Block Schedule

Why Homemakers Need Routines

Four Simple Steps to Creating a Routine

The Importance of Routines for Stay-at-Home Moms

By using the same principles that Dave Ramsey teaches about managing our money you can learn how to effectively manage your time as well.

4 thoughts on “Time Management Using Dave Ramsey Principles

  1. These are great ideas and suggestions. I am always on the lookout for time management tips because the main thing I hear in my line of work trying to help people savor moments and make connections by preserving their photos and memories is: “I don’t have time.” We have time for whatever we prioritize, whether that’s something meaningful or something trivial. These are great thoughts and an intelligent approach. I like that you mentioned flexibility in schedules as well because things do come up (sick kiddo at school or whatever), and we often need to be flexible while prioritizing what’s important. I’m pinning this post. 🙂

  2. So good. #2 especially reinforced something I’ve been aware of the past few days. I often get so excited about project work I forget to block time for maintenance of what has already been accomplished. (though showers and workouts do get done regularly …)

  3. If you don’t plan to succeed then you plan to fail. Gaining control of your time requires a plan – specifically on that works for you. Love that you took a plan for other resources and repurposed it to guide your time.

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