Total Money Makeover by Dave Ramsey

books:


	• The Total Money Makeover: A Proven Plan for Financial Fitness Dave Ramsey Thomas Nelson, 2007 - 272 pages average customer review:based on 339 reviews view larger image
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highly recommended

WARNING

Warning: Only read this book if you're tired of the "normal" everyday cycle of being in debt - being slave to your lenders. Whether it's credit cards, student loans, car loans, mortgages, etc. Dave Ramsey lays out a plan to break the cycle, change your family tree so your children don't think living paycheck to paycheck and owing huge amounts of debts is normal. As Dave puts it, if that's normal then "be weird." Get out of debt and live in TRUE Financial Peace - IT WILL CHANGE YOUR FAMILY TREE! It works, I've done it and so can you!

A MUST READ!!!!!

THIS BOOK IS ONE OF MY FAVORITES IF NOT THE BEST IN MY LIBRARY! ITS AN EASY READ AND FLOWS SO WELL. I HAVE FOLLOWED THE STEPS AND THEY WORK! HAS A LOT OF HUMOR AND INSPIRATION WHICH IS RARE IN ONE BOOK. THIS BOOK IS WORTH FAR MORE THAN ITS COST! YOU WILL WISH YOU READ IT YEARS AGO.

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Great if your spouse is on board

I read this book and dived right into the plan. I was full of enthusiasm and was accomplishing some debt reduction. (Dave Ramsey's talk show works great as a motivator once you've finished the book.) Unfortunately, my husband was not on board with me and fought me every step of the way. I would have liked to have seen a chapter that explained a way to compromise with a spouse. For example, for so many dollars paid off in debt, then we can spend so many dollars on something fun. This plan is a complete sacrifice, and some people don't have that kind of discipline.

After arguing with my husband, I went off the plan and I'm much happier. I know we still have debt and it'll take longer to pay it off, but at least our kids have harmony in the household once again. If your spouse isn't interested in this plan, I wouldn't recommend it. Money, lots of it or lack of it, isn't worth the marriage. However, if your spouse is as eager to do this as you are, you will get far in a short amount of time. It does work.

My personal opinion, keep the car and pay it off when you can. I bought a cheap used car and ended up with $2000 in repairs in the month we had it, and it still needed more work. I don't think it's wrong to make car payments but I do recommend keeping the car for several years after paying it off.

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SHOW YOUR MONEY WHERE TO GO

This book is an eye opener for all of us in denial about our finances. You have to stay on a budget and not overspend -- that's not rocket science, but not many of us do it. Dave dispels the myths about money and he is right on target. Debt is dumb; cash is king!

Total Money Makeover by Dave Ramsey

I have been putting off getting my finances in order simply because I was afraid it would be a huge hassle. This book not only help me accomplish my goal, but it also got me so pumped about it, I got my two grown children and their husband and girlfriend to go along for the ride. It has been a wonderful family learning experience with actual fun mixed in along the journey.

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reviews: page 1, 2, 3, 4, 5, 6, 7, 8, 9, 10

The success stories speak for themselves in this book from money maestro Dave Ramsey. Instead of promising the normal dose of quick fixes, Ramsey offers a bold, no-nonsense approach to money matters, providing not only the how-to but also a grounded and uplifting hope for getting out of debt and achieving total financial health.

Ramsey debunks the many myths of money (exposing the dangers of cash advance, rent-to-own, debt consolidation) and attacks the illusions and downright deceptions of the American dream, which encourages nothing but overspending and massive amounts of debt. "Don't even consider keeping up with the Joneses," Ramsey declares in his typically candid style. "They're broke!"

The Total Money Makeover isn't theory. It works every single time. It works because it is simple. It works because it gets to the heart of the money problems: you.

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