About this title: Radio personality Dave Ramsay shares the secret of stable finances: get out of debt and stay out. He provides tips for how to do this along with testimonials from former debtors who took his advice and emerged out from under their bills with money in the bank.
Note: This is a general synopsis. Each listing is described below.
Binding: Hardcover
Publisher: Nelson Books
Date Published: 2003
ISBN-13:9780785263265ISBN:0785263268
Description: Good. Has a sticker on first blank page with author's signature on it. Hardcover. Good condition. Pages are clean. Binding is solid. Dustcover has edge wear, rubbing on corners and several small creases. Pages are slightly wavy at top but does not effect ability to read book. read more
Description: New. 0785289089 *BRAND NEW* Revised and Updated Hardcover with DJ. Fresh from the publisher with No remainder marks and No price tags. read more
Description: Good. 0785289089 US STUDENT EDITION. BOOK IS A GOOD CONDITION. WILL SHIP WITHIN 24 HOURS WITH DELIVERY CONFORMATION AND TRACKING NUMBER. read more
Binding: Audio CD
Publisher: Thomas Nelson
Date Published: 2007
ISBN-13:9780785289104ISBN:0785289100
Description: New. Items ship once payments have cleared. Media mail 5-8 days Priority 2-3 days and international orders may be subject to customs clearance procedures which can cause delays. Seasonal delays can occur in postal system. All items ship within 24 hours of receiving payment. read more
Binding: Hardcover
Publisher: Thomas Nelson
Date Published: 2007-02-06
ISBN-13:9780785289081ISBN:0785289089
Description: Good. YOUR MOM CALLED and said you should buy our book, and if you do we will ship it from Kentucky. We are a small family business and do our best to keep you happy and more money in your pocket. The cover has normal wear and may have some stickers on the cover/spine from the bookstore. It may not include the CD/Access code from the publisher if there was one. E-mail with questions. Oh and your mom said to call her back. : ) read more
Binding: Hardcover
Publisher: Thomas Nelson
Date Published: 2007-02-06
ISBN-13:9780785289081ISBN:0785289089
Description: Good. YOUR MOM CALLED and said you should buy our book, and if you do we will ship it from Kentucky. We are a small family business and do our best to keep you happy and more money in your pocket. The cover has normal wear and may have some stickers on the cover/spine from the bookstore. It may not include the CD/Access code from the publisher if there was one. E-mail with questions. Oh and your mom said to call her back. : ) read more
Edition: Revised ed.
Binding: Hardcover
Publisher: Nelson Books
Date Published: 2007
ISBN-13:9780785289081ISBN:0785289089
Description: New in new dust jacket. Glued binding. Paper over boards. With dust jacket. 223 p. Contains: Illustrations. Audience: General/trade. brand new read more
Edition: Revised ed.
Binding: Hardcover
Publisher: Nelson Books
Date Published: 2007
ISBN-13:9780785289081ISBN:0785289089
Description: Very good in very good dust jacket. Glued binding. Paper over boards. With dust jacket. 223 p. Contains: Illustrations. Audience: General/trade. read more
Edition: ABR REV UP
Binding: Audiobook CD
Publisher: Thomas Nelson Inc
Date Published: 2007
ISBN-13:9780785289104ISBN:0785289100
Description: New. From the bestselling author and radio show host comes a practical, inspiring action plan to help listeners get in the best financial shape of their lives. Abridged. 3 CDs. (Audio-Business/Professional) read more
"First of all, Dave Ramsey is a Christian entertainer. Like Dr. Laura, Dave springboards his books from his talk radio shows and life experiences. His advice is simple and folks starting early in life do well to heed his advice on debt and that is....no debt. It all gets a bit murky for those of us who have learned essential money truths later in life, yet there are some embraceable suggestions to be found within the pages of both Ramsey's "Peace" and "Makeover." It is the advice my Grandparents would have given me.
Drop the popular cultural feeling of entitlement. None of us are entitled to more than God gives us each day via hard work and other non-monetary avenues. Live within your means. Do without. Save for tomorrow. Store up cash for rainy days (Dave recommends 1K to start with). Sacrifice.
Don't go into debt for any reason (not for cars, not for college) other than your mortgage (this is especially challenging given the high cost of health care, career education, unexpected disasters, big family expenses, and current economic climate). Buy a reasonable house that you can afford, key words that lie at the heart of America's housing crisis "house you can afford" (and don't trust the realtor or the loan officer to be able to advise you honestly on this point) on a 15 year loan.
Never buy anything at full price. Always bargain. Shop estate sales, thrift stores, craigslist, garage sales and take the time to clip coupons, compare grocery ads, and look for bargains. Buy used v/s new. Eat at home. Ride the bus. Forgo the Starbucks (unless you buy it with a coupon, on sale, within your grocery budget).
Pay off the smallest debts first and then use the extra money to tackle bigger loans/debts until they are all paid off. Consider selling everything you own and working a second job (it is not suggested that mothers work outside the home) to make the pay off happen faster.
The Ramsey books I read were written prior to seeing gas prices hit $4 per gallon, prior to the job outsourcing impact, prior to corporate collapses, bank bailouts, and housing market plummets. Yet, the common sense advice of Dave Ramsey, and that of our Grandparents, to live differently may inspire positive change toward self sufficiency for all America."
"This is a practical, common sense plan for reducing and eliminating debt. This involves the old-fashioned practice of living below your means so you can save, to buy in the future, epensive needs, such as hiher education for your kids and your retirement, and for wants. If you are st the point where the only debt you have is your home mortgage, I would reccomend checking various other sources about this, as not all financial advisors hold with Daves principle of paying off mortgage early. Also, if you are ready to make investments. I think you would want to check other sources also."
"Total Money Makeover by Dave Ramsey provides a clean cut program for getting out of and staying out of debt. It is an "easy read" book with plenty of testimonials to show that the plan works. I have given the book to family, friend, and clients as closing gifts."
"This book helped me to take a simpler look at my pattern of behavior to stop the debt and get our family back on track. This book was helpful to my family because it brought my husband and I on the same page and helped us to establish agreements on financial planning to ensure our family's security. Dave tells it like it is. There is no magic trick, but good advise and sound judgment. He explains his methods and it is easy to follow. I would recommend this to anyone!"
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