The Total Money Makeover Workbook by Dave Ramsey
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Book Reviews of The Total Money Makeover Workbook
Book Review: Changed my life!!
Summary: 5 Stars
My new wife and I have been married almost 2 years now and we are in our mid 30s. We make about 150k a year total, and this audio book has taken us to the next level!! In 2 years we have buckled down, paid bills while still going out once in a while (unlike every weekend before) and paid off both cars. Now we are starting to save for the new (really preowned, half way there!!) car that we will buy cash! We will attack the remaining bills and eliminate them one by one, just like the "baby steps" say. This is for anyone, no matter what income level you are, if you follow these rules, you will succeed! The more money you make the better of course (2 incomes would be awesome). As we gain traction in our careers, our goal will to live off of 50% of our household income and to pay off out mortgage! You are the man Dave Ramsey!! Please follow the baby steps, they are Also a part that we added to the steps was that we set aside an EQUAL allowance for me and the wifee every payday********* Everything else goes towards the bills and expenses! We are truly the envy of our friends because we are a great team! I love to help any couple to get on track. I am no a financial guru by any means, just a regular IT geek, but I know that happy finances keep a happy home! God Bless and good luck, u can do it!!!!!!Book Review: What a great book, but a greater set of ideas!
Summary: 5 Stars
This guy, Dave, (well, I have shaken hands with him, you know) is wonderful at taking our Grandparent's (and sometimes our parent's) advice on handling money and making it not only palatable, but funny at the same time. Yet, if one follows that steps in his books, including this book, there is no limit to what a boon it can be to not only one's finances, but even to our deepest relationship, with our lifepartner.
How can I proclaim so boldly; that is a good question. It is because my family and I made lots of financial mistakes, read his earlier book, Financial Peace, and now are one of many "success" stories featured in the book. Just read it and imagine what you think it would be like to only have no car, furniture or credit card payments. Whether you are a Christian or not, you will appreciate Dave's solid, Biblical principles of personal finance. He may seem somewhat radical, even most of the time to some, but this is based on his abhorance of debt (see his own burn and crash story in the book) and his faith in his "Baby Steps" to financial freedom. It is an "easy" read, so why not now...aren't you tired of debt following you around like a bad memory!
Book Review: The Total Money Makeover Workbook - A Great Resource
Summary: 5 Stars
We ordered 4 of the workbooks for ourselves and another couple to read together. We found that the material lends itself to a group setting and hits on key issues related to finance.
Basically you have the foundation of the material once you get through Chapter 6. Then each couple can begin on the "baby step" that is relevant to their own situation.
Chapter 6 is the pivotal point of the book where you begin using a budget and practicing the principles you have learned. We found that putting the forms into Excel was really helpful for those who were struggling with organizing the budget. We would be glad to share those electronic forms (no strings attached) with anyone who is in need of them. Just email thecloins@gmail.com.
Really appreciative of this resource and will continue to utilize it in small group settings to help people get past the rat race and into a confident position in their financial life. We will cover the first 6 chapters over 5 sessions and continue to check in with the other couples on progress.
Dave Ramsey- great job on helping people improve their lives.
Book Review: Lifechanging
Summary: 5 Stars
I've read many other books on personal finance and general self help books, but something about Dave Ramsey's philosophy and the way he delivers it caused something to shift in me. After reading Total Money Makeover, I truly wanted and am excited to work hard and even undergo some deprivation to reach financial freedom. We have lived paycheck to paycheck for so many years now, and credit card debt and interest is taking nearly everything we make. My thought patterns were warped; I felt "entitled" to buy whatever I wanted on credit because I work hard and deserved it! This book made me realize I'm only hurting myself and my family by driving us deeper and deeper into debt. The author's straightforward, humerous approach cut through my stubborn denial and showed us how to end this cycle of pain and be successful! I read the whole book in one night, set up a spreadsheet and we began taking our first "baby step" the very next day.
This guy is going to "save" many many lives!
Book Review: Get your life and your marriage in order
Summary: 5 Stars
The money you spend on this book will save you hundreds in marriage counseling. After all, money is the number 1 thing couples fight about, right? Well read Dave's book, get with the program and you and your spouse will get on the same page regarding finances. Since starting Dave's program about 5 years ago my husband and I no longer fight about money, ever! We have no debt except for our house (more on that later), two paid for cars, a 6 month emergency fund and true peace that comes from not worrying about credit cards bills, etc. And as we've chosen to be wise stewards of the money that God has entrusted us with he has blessed us over and over. We just sold our house which doubled (yes DOUBLED) in value in the 2 years we owned it. With the equity we made and will pour into the new house we plan to have the new house paid off in 2 years. Imagine - 34 and 35 and absolutely no debt. You can do it to, just get started.