The Total Money Makeover Workbook

If you purchase the workbook, you really do not need the main book as well. It would be fine on its own. This is a great, very basic system and is working extremely well for my family. Instead of living paycheck to paycheck, we are now within months of being debt free, except for our mortgage. Great system!! I highly recommend it.

Like most Americans our finances were spinning out of control with our living paycheck to paycheck. After hearing Dave Ramsey on the radio I immediately purchased The Total Money Makeover book and accompanying Workbook. Utilizing the principles outlined in these texts we have completely turned our out-of-control finances into a structured system whereby we know exactly where every penny is to be spent before the month begins. In the six weeks that we have started using these principles, we have taken Dave's advice and created an emergency fund of $1,000 for those rainy day blues that are sure to come along. In utilzing the debt snowball method of reducing personal debt we have already paid off three credit cards totaling over $2,500. We should triple that number long before Christmas. I highly recommend these books to anyone wishing to change their lives for the better. If you cannot imagine what it would be like to put your paycheck in the bank every payday and not worry about any of the money being spent on bills then I challenge you to go immediately to pick up these books. Once you've read The Total Money Makeover you will realize that debt is not a good thing and that you truly can be debt free. Do this for yourself. Do it for your family. Buy it NOW ! Tony W. Brown Whitehouse, TX

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.

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!