The Total Money Makeover

Posted on 02 February 2017 by Dave Ramsey

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. New Read [ The Total Money Makeover ] by [ Dave Ramsey ] – kino-fada.fr Ramsey presents some sound financial principles in the book, but it came across as a sales pitch because he mentions his other books and live events, and practically every other page contains a lengthy testimonial from people gushing about their Total Money Makeover I skipped all of these since I m looking for practical financial advice, not feel good stories.I didn t like Ramsey s strict no debt stance The only exception he allows for is a 15 year fixed rate mortgage Although I agree that mo Ramsey presents some sound financial principles in the book, but it came across as a sales pitch because he mentions his other books and live events, and practically every other page contains a lengthy testimonial from people gushing about their Total Money Makeover I skipped all of these since I m looking for practical financial advice, not feel good stories.I didn t like Ramsey s strict no debt stance The only exception he allows for is...Recently, a good friend of mine who knew that I had read this book asked me whether or not I found it helpful This friend has struggled with managing her personal finances and is drowning in credit card debt She was feeling pretty hopeless and was worried that she d never be able to take care of her bills and set enough aside for retirement Rather than go into the ins and outs of the book, I downloaded the audiobook version and we listened together while working on paperwork during the work d Recently, a good friend of mine who knew that I had read this book asked me whether or not I found it helpful This friend has struggled with managing her personal finances and is drowning in credit card debt She was feeling pretty hopeless and was worried that she d never be able to take care of her bills and set enough aside for retirement Rather than go into the ins and outs of the book, I downloaded the audiobook version and we listened together while working on pap...Buy it, live it An amazing system that s not a system just living within one s means Worth the investment many times overI read Financial Peace years ago We tried to live the plan, but looking back we could have done a lot better The Total Money Makeover takes the same plan and breaks it down intodetailed babysteps This REALLY works We ve had our 1000 emergency saving account for years now and have hardly had to dip into it because we really think through what an emergency is Most of the time we have been able to wait a few weeks until the extra paychec...Listened to the audio version of this book I probably should have given this bookthan three stars, because it s a good start to figuring out a critical piece of the financial puzzle getting out of debt This book is debt centric, so, if you re in debt, then yes, you really should read this book.However, while focusing on getting out of debt is a crucially important step of freeing up your income because if the money you make every month is spent every month, you re not financially fit , there are many aspects of your financial se I probably should have given this bookthan three stars, because it s a good start to figuring out a critical piece of the financial puzzle getting out of debt This book is debt centric, so, if you re in debt, then yes, you really should read this book.However, while focusing on getting out of debt is a crucially imp...From my blog My friend Amanda was nice enough to buy me Dave Ramsey s book It must mean it s pretty good if someone else is willing to shell out 25.00 to buy you a book on money management This book was really repetitive, but I thought it was a fantastic planning tool for those of us who aren t making a gobzillion dollars doingwhatever Paris Hilton does, for example I have a small bit of debt mostly due to 2007 The Year of Dental Nightmares and literally no savings I had quite a b From my blog My friend Amanda was nice enough to buy me Dave Ramsey s book It must mean it s pretty good if someone else is willing to shell out 25.00 to buy you a book on money management This book was really repetitive, but I thought it was a fantastic planning tool for those of us who aren t making a gobzillion dollars doingwhatever Paris Hilton does, for example I have a small bit of debt mostly due to 2007 The Year of Dental Nightmares and literally no savings I had quite a bit saved up for a while, but my bills started to eat into my nice little nest egg and the next thing I knew it was gone Anyway, I think Ramsey has some great ideas for getting back on the right track with your money.One thing he does say, over and over again, is that it is not hard to follow his plan, but it s very difficult to actually pull it off It s not complicated, but it takes determination and focus ...This guy s claim is basically that the key to accumulating a lot of money is to 1 become debt free, 2 save a sizeable nest egg 3 10k for the big emergencies that typically send people into debt in the first place, and 3 put the rest of your savings in mutual funds He s particularly insistent that you suck it up and drive old cars that you ve paid cash for rather than make payments on a new car Good advice, but it would help if he offeredinsights on how to follow it, especially sin This guy s claim is basically that the key to accumulating a lot of money is to 1 become debt free, 2 save a sizeable nest egg 3 10k for the big emergencies that typi...This book is a great step by step plan to help you get control of your finances by walking you through the 7 baby steps.1 Small Emergency Fund of 10002 Pay off all debt except house with debt snowball3 Fully Fund Emergency Fund to 3 6x of living expenses4 Invest 15% of income for retirement5 Fund kids college fund6 Pay off mortgage7 Have fun, give and investDefinitely a must read and the companion website www.mytotalmoneymakeover.com is hands down the best most practical website I ve eve This book is a great step by step plan to help you get control of your finances by walking you through the 7 baby steps.1 Small Emergency Fund of 10002 Pay off all debt except house with debt snowball3 Fully Fund Emergency Fund to 3 6x of living expenses4 Invest 15% of income for retirement5 Fund kids college fund6 Pay off mortgage7 Have fun, g...This book is great for those who are in debt because of overspending Unfortunately Dave Ramsey groups everyone in the same category with the undisciplined, regardless of their background He uses unrealistic examples of people having a mortgage of 50,000, or someone paying 250 month for a small apartment while pay...

English
02 February 2017

Dave Ramsey