[ EPUB ] ✰ The Total Money Makeover Author Dave Ramsey – Shiningweb.info

The Total Money Makeover 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 paperwork during the work day Honestly, I just didn t think I could communicate the underlying message of the book without coming across kind of preachy This provided a nice way to share the major concepts of the book with her, while providing a strong reminder for me.As you can imagine, personal finance isn t exactly the m 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. Buy it, live it An amazing system that s not a system just living within one s means Worth the investment many times over I 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 paycheck, tax return or a bonus comes through instead o I 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 paycheck, tax return or a bonus comes through instead of using our savings The debt snowball really works I was amazed when I saw how much money is going toward our last debt It will only be a fewmonths to get it paid off Yes, we did stop retirement for the past year it was a simple form to fill out at work and only took a couple minutes The money that was previously in our IRA is still growing, but we re not adding to it right now When that debt is gone and we have our 3 6 month savings we ll 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 important step of freeing up your income because if the money you make every month is spent every month, you re no 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 a 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 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.mytotalmon 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 paying off debt He uses examples of young people in their mid twenties making 50,000 a year These are completely unrealistic numbers in most regions of the country.He proudly says th 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 paying off debt He uses examples of young people in their mid twenties making 50,000 a year These are completely unrealistic numbers in most regions of the country.He proudly says that


About the Author: Dave Ramsey

Is a well-known author, some of his books are a fascination for readers like in the The Total Money Makeover book, this is one of the most wanted Dave Ramsey author readers around the world.


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