Dec 20 2008
The Total Money Makeover A Proven Plan for Financial Fitness
The Total Money Makeover A Proven Plan for Financial Fitness
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.
User Ratings and Reviews
5 Stars A Top-Notch Book for People Serious About Money
Where do I begin? So many people have written stellar reviews for this book; mine will be just my experience in reading and living the book.
I used to be terrible with money. I would spend every paycheck, living and anticipating for the next one. I had many, many things, most of which are now sold. It’s a nasty habit, spending money you don’t really have. I got huge into credit card debt (not too huge, though). Even buying such frivolous things as a Starbucks beverage or music CD became the norm for me.
Until I lost my job.
After undergraduate school, I was out of a job for three months. During that time a friend loaned me this book, and it was a good thing because I had been wanting to read it for quite some time.
Once I started applying Ramsey’s methods after the 2nd chapter, I already noticed a change. After I was hired at my current job, I started to see each paycheck as a step in Ramsey’s direction; each check was a part of the Baby Steps, and each step was towards wealth.
I’m only three months into Ramsey’s methods, but already I feel the change of habit. I no longer find interest in things I used to buy, and I only pay for things I can afford in cash.
Like Ramsey said, it’s not about head knowledge (though it could help), but a change in character.
This book is recommended to anyone wanting to break free from constantly being in debt. As a person living out the beginning of his wealthy life, I will honestly say it’s tough, but I know it’s going to be worth it.
It already is.
4 Stars Financial Fitness Program, Not a Scheme
This book is not a “get rich quick” scheme. It is a “financial fitness” program meaning that it will take time. In fact, this book outlines a life style that will help you trim fat (dept) and eat healthy (sound financial advise). This book has much of the same adivse that your grandmother would give, except that it has steps called “baby steps” which help make advice become a reality.
This book is a realistic approach to avoiding dept and building wealth. This book promotes setting a clear goal, sacrafice, giving, and staying on path. If you follow this path it will not be easy, but it will be worth it. This book is hardly boring and contains real-life success stories.
Everyone should read this book because Dave Ramsey really believes in helping others. And instead of just giving all his money away, he gives advise so that you can manage and build your own wealth and in return, pass it on.
5 Stars Excellent
This is a must read for everyone who needs to learn how to get out of debt in a very practical way.
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