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.

One of my number one questions I get on the blog, is….

“Stephanie, how can I learn how to manage my time better?”

The Basics of Creating a Budget

Budget to Zero

Dave recommends that when creating a budget, that 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.

And this concept of budgeting can be applied to how we spend our time in our homemaking as well.


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.

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.

2. Start with the Important Categories

Food, gas, insurance, and utilities are normal monthly expenses for a family. It is easy to plan a budget when you already know where your money is going.

When you are creating a schedule in order to manage your time better, a great strategy is to first list the normal things a schedule would have.

For example, I always add in my schedule a list of daily activities such as exercising, reading my Bible, cleaning, and taking a shower.

Once you have the important categories in your schedule out of the way, it is easier to work in the other ‘budgeted’ and time-alloted activities into your schedule.

Don’t feel guilty about having too many things in your schedule, especially if it helps you manage your time more effectively, just by knowing it is always going to be there.

homemaking routines, time management, Dave Ramsey

3. Don’t Be Afraid to Trim the Budget:

Eliminate homemaking 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.

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 asssistance 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.

3 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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