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This is the 4th time I've bought this book- Yes, it is that good! This time I ordered it for a friend in hopes to help her and her daughter see the light at the end of the tunnel and change their family tree for good. I kept another copy that I go back to for reference and to constantly remind me to stay out of debt. This book will only work if: - You are very disciplined and committed to save money and spend it wisely. No excuses! - Everyone is on the same page at all times (spouse and kids). - You have a steady income (no jumping between temp assignments); a full time-permanent-40 hour a week job. - You are patient. Expect to see the results in 3-5-10 years. It worked for me before and i'm sure it'll work for many others who are where I once was.
Verified purchase: Yes | Condition: Pre-owned
Hi -- The original version that I wrote of this guide was on August 12, 2007. It's now October 29, 2007 and in the last two months of practicing the information outlined in this book so much has happened to us besides paying off large amounts of debt, cutting up credit cards, and really started to learn how to live within our means. The first step we did was to make a list of all of our debt with the smallest one on top of the list and ended with the largest amount on the bottom. Rather than debt consolidation, we started paying off the smallest one first while paying the minimum on the others. I must say that this list made me fill with dispare over the fact that it was smack in my face what huge amount of debt we accumulated and the fact that we really couldn't pay the minimum on each bill. I'm not totally sure how we managed to make this happen but we did. One month we had 5 pay checks instead of 4 weeks. We had tax rebates come back in. We made a grocery list and stuck to it. Actually I do think this was the biggest help and the hardest accomplishment. Because the only way we could make this happen was to make a menu for the week and then a list of what we needed. O.K. so I know that this is the obvious solution but lets face it, when you get to the grocery store there is always something that you forgot to put on the list or it looks good. Here is the hard part --- Only bring cash. No checkbook, No credit card, No ATM or Debt card. Just cold hard cash. Thats your budget and no going over or you have to put it back. It certainly makes you evaluate necessity of what in your cart. We never when hungry for one meal ever using this method but talk about trimming the fat out of a diet. It took me about 3 to 4 weeks to not squirm at going to the grocery store using this method. I truely believe that this was a major part in coming up with the cash we needed to pay our bills. We are now on the 4 year plan to pay off all debt, not including the mortgage. Dave recommends 2 years or less and to sell off things if you have too. Right now we are living in our means and snowballing the amount to pay off. 2 years here we come! FREEDOM! I hope this helpful. August 12th version: I love this book. Dave Ramsey is helping us get out of debt because we are following this book step by step. We have already paid off $1000 of dollars of debt by following his easy to understand steps. We already have financial freedom by having a good solid plan and made changes in our life style to make this work. This is not a get rich quick book or gimmick. I found a review under someone's eBay guides and reviews they had wrote about and then decided to buy the book. This book has been one of my best investments ever because we were ready for a change.Do you have debt? Are you willing to change the way you live in order to make that happen? Do you want prosperity and happiness for you and your family? If you are willing to make these changes, you will reach your goals to financial freedom and Dave Ramsey will map it out for you step by step! If you are sick and tired of being sick and tired, this book is for you. Dave Ramsey has helped us pay off $1,000's of dollars of debt and live a happier well managed life. As Dave puts it in his book "You will learn to live like no one else and you will live like no one else." Are you ready to have money in your pocket and be debt free? Then this book is for you. Please check YES if you found this review helpfulRead full review
A friend of mine bought one of Dave Ramseys books, when she and her husband were drowning in debt, and after reading it and applying some of his concepts, she was totally hooked and she kept singing his praises on every occasion she could find. I finally got to wondering what all the hoopla was about, so I picked up a book also, although I didn't think I was in financial trouble. It was a curiosity thing for me, when I bought his book. I left it laying around for a month and finally one day aI got bored and set down to read it. ZI couldn't put it down, it was so interesting to me. I soon found out, that although I was not drowning in debt, that I needed his advice as much as she did. I am totally hooked on Dave Ramseys teaching materials. Very informative. Whether you are a young person starting out or a person in your 50s, there is plenty in this book that we all need to know. Dave speaks to all of us, with good solid financial advice! I only wish I had his materials when I was 18 years old and just starting out in life. I have bought plenty of financial books over the years and due to my financial situation, they weren't of really any help to me, because they wanted you to start investing big money when I didn't have big money. I was always left thinking, "Okay Einstein, but how do I get the money to do these things? That's where Dave Ramsey books come in, he actually gives you the advice about how to get your financial house in order, so that you can start building that retirement nestegg. Doesn't matter if you make 20,000 a year or 150,000 a year, he can get you there! Not only that, but he gives ya good solid advice about how to handle divorces, so that you aren't left making costly mistakes that can haunt you for the next 30 years. He speaks to a lot of lifes problems, that everyone needs to know about, such as prenuptial agreements, loaning money to relatives, where to invest your money when you get it, to get it to make you the most bang for your buck, the importance of giving back to your community and many more things. Daves books and other teaching materials are worth far more than he charges for them!Read full review
This is a great book. I bought it because I was not handeling my money in a responsible way and I was ready to admit that I was in trouble. I have listened to Dave Ramsey on the radio for a while and knew he was offering very useful advice. His book is also full of helpful advice and easy to understand plans to get rid of debt and work toward the financial security we all wish for, but don't know how to achieve. Starting with baby steps this book has many success stories about getting out of debt, living life and maximizing retirement investing. He refers to over 800 scriptures that deal with money and God's ways of handeling money. He also addresses many Money Myths and gives logical reasons why they do or don't work. I highly recommend this book and I think everyone would benefit from reading it.Read full review
I bought Dave Ramsey's Total Money Makeover book about a month ago and I loved it! This is a must have book for anyone who truely wants to get their finances under control and get out of debt. If you follow the principles of this book you can get out of debt and live your life DEBT FREE! Dave has a no nonsense approace and tells it like it is in this book. He pulls no punches and writes in a down to earth, easy to understand style that many financial self help books lack. Dave's BABY STEPS walk you through getting out of debt and having an emergency savings fund and they are simple enough for anyone to do. I highly recommend this book to everyone! Soon I too will be DEBT FREE!!!!
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