Dave Ramsey Total Money Makeover- Budget101 Discussion List

Hey guys. Just joined the group. has anyone read that book yet? this i haven't been able to get enough of it. it's the total money makeover by dave ramsey! he goes through baby steps on how to eliminte debt. some of the testimonial are really inspirational! this one couple paid of about

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  1. #1
    drivenindividuals
    Guest

    Default Dave Ramsey Total Money Makeover


    Hey guys. Just joined the group. has anyone read that book yet? this i

    haven't been able to get enough of it. it's the total money makeover

    by dave ramsey! he goes through baby steps on how to eliminte debt.

    some of the testimonial are really inspirational! this one couple paid

    of about $80,000 worth of debt in only a couple of year, on a very

    modest income! very good read!








  2. #2
    leigh.drewett@ntlworld.com
    Guest

    Default Dave Ramsey Total Money Makeover


    I am on baby step 1 at the moment, about 6 weeks in and dh is currently reading

    the book. There is a dave ramsey debt beaters yahoo group that I belong to also.

    ------------------






  3. #3
    Nicole
    Guest

    Default Dave Ramsey Total Money Makeover


    Long story short we have read the Total Money Makeover and attended

    FPU classes. We paid off bills, medical deductables, $1,000 in the

    bank, 1 credit card $1,000 and we started snowballing on my minivan.

    We ended up refinancing our home and paid off the car and creditcard.

    Since spring we have been saving money in order to move. My husband

    is hopeful to get a job with moving expenses and a sign on bonus

    and/or student loan repayment offered. We also hope to move to a less

    expensive home. We were able to pay for 2 large purchases that we

    felt we needed and are saving money for a birth (although I have a

    threatened pregnancy-we will just have to see). Right now we are

    going to sell our van and put money back in the bank in our Orange

    account (which isn't making much money anymore). We are planning on

    moving, we just do not know where. When we do we will be using the

    equity to pay off the private loan and at least 10% down on a home

    (hopefully a less expensive home) and live close to work (My husband

    drives 50 miles a day). The Total Money Makeover is great but I would

    highly recommend going through FPU. We made some small changes and it

    helped us tremendously. We still owe a ton in debt but it is

    manageable. I have met a handful of people who attended FPU who have

    paid down $30,000 in debt and others who have paid off their mortgage.



    Nicole








  4. #4
    Keith
    Guest

    Default Dave Ramsey Total Money Makeover


    --- In Budget101_@yahoogroups.com, "Nicole" <bnlbjfamily@...> wrote:

    >

    > Long story short we have read the Total Money Makeover and attended

    > FPU classes.



    Great !!

    Your story is possible if BOTH partners are on the same page.

    I myself have taken FPU and found it very benificial although I am

    single it is much easier to make the money decisions.

    You can have a great relationship and live a decent debt free life

    and managing money much better.

    Good luck








  5. #5
    Keith
    Guest

    Default Dave Ramsey Total Money Makeover


    --- In Budget101_@yahoogroups.com, "drivenindividuals"

    <grizzlehill@...> wrote:

    >

    > Hey guys. Just joined the group. has anyone read that book yet? this

    i

    > haven't been able to get enough of it. it's the total money makeover

    > by dave ramsey! he goes through baby steps on how to eliminte debt.

    > some of the testimonial are really inspirational! this one couple

    paid

    > of about $80,000 worth of debt in only a couple of year, on a very

    > modest income! very good read!

    >





    I have noticed that those who pay off huge amounts of debt in a short

    time usually have huge incomes already and are just simply wasting it

    away to begin with.

    Someone like myself with a very modest income and after paying the

    nessasary bills has only a few dollars to pay extra on debt, there just

    isnt any money left to make a differance.

    I will still have five years with monthly payments to pay down about

    $22,000

    It Doesn't seem like a huge amount but when it isn't there it really

    seems out of reach,but someone making a household income of 120,000 can

    realisticly pay off 80,000 in a few years of tight budgeting.








  6. #6
    Ria
    Guest

    Default Dave Ramsey Total Money Makeover


    Wow, Nicole - you sound gazelle intense!

    Good luck with your pregnancy, and keep us posted on your progress!

    Ria

    --- On Tue, 7/22/08, Nicole <bnlbjfamily@yahoo.com> wrote:
    <blockquote style="border-left: 2px solid rgb(16, 16, 255);">From: Nicole <bnlbjfamily@yahoo.com>
    Subject: Budget101.com : Re: Dave Ramsey Total Money Makeover
    To: Budget101_@yahoogroups.com
    Date: Tuesday, July 22, 2008, 4:04 PM

    <div id="yiv1087057395">



    Long story short we have read the Total Money Makeover and attended

    FPU classes. We paid off bills, medical deductables, $1,000 in the

    bank, 1 credit card $1,000 and we started snowballing on my minivan.

    We ended up refinancing our home and paid off the car and creditcard.

    Since spring we have been saving money in order to move. My husband

    is hopeful to get a job with moving expenses and a sign on bonus

    and/or student loan repayment offered. We also hope to move to a less

    expensive home. We were able to pay for 2 large purchases that we

    felt we needed and are saving money for a birth (although I have a

    threatened pregnancy-we will just have to see). Right now we are

    going to sell our van and put money back in the bank in our Orange

    account (which isn't making much money anymore). We are planning on

    moving, we just do not know where. When we do we will be using the

    equity to pay off the private loan and at least 10% down on a home

    (hopefully a less expensive home) and live close to work (My husband

    drives 50 miles a day). The Total Money Makeover is great but I would

    highly recommend going through FPU. We made some small changes and it

    helped us tremendously. We still owe a ton in debt but it is

    manageable. I have met a handful of people who attended FPU who have

    paid down $30,000 in debt and others who have paid off their mortgage.



    Nicole




    [/quote]




  7. #7
    enjoycooking1952
    Guest

    Default Dave Ramsey Total Money Makeover




    I'm so glad that I'm not the only one with a modest income. I feel

    like I'm doing something totally wrong when I hear that people are

    able to pay their debt off fast, ugh ! I have only a few pennies left

    over after paying the bills and then get upset wondering what I'm

    going to do until next pay. So, to pay debt off is very stressful.



    Thanks ! Sheila



    > Someone like myself with a very modest income and after paying the

    > nessasary bills has only a few dollars to pay extra on debt, there

    just

    > isnt any money left to make a differance.

    > I will still have five years with monthly payments to pay down about

    > $22,000

    > It Doesn't seem like a huge amount but when it isn't there it really

    > seems out of reach,but someone making a household income of 120,000

    can

    > realisticly pay off 80,000 in a few years of tight budgeting.

    >










  8. #8
    artistic wings
    Guest

    Default Dave Ramsey Total Money Makeover





    <TD id="INCREDITEXTREGION" style="FONT-SIZE: 12pt;DIRECTION: ltr;" vAlign="top" width="100%">
    <DIV style="FONT-FAMILY: Book Antiqua;">Sheila,
    <DIV style="FONT-FAMILY: Book Antiqua;">
    <DIV style="FONT-FAMILY: Book Antiqua;">No Hon, you are *not* alone. There are people in debt from all walks of life, some with more money left over than others, but still, debt is debt. Stress is hard on us in so many ways, and eliminating any debt will help alleviate the amount of stress. It takes time.The debtdidn't happen over night, it isn't going to be fixed over night. I am just beginning the Dave Ramsey program and am reading Total Money Makeover and also have the workbook, and so far, I like it. It will not happen fast, and I see various income levels on the program, but we all are in a similar boat striving for the same goals. Some will get there faster than others. The main thing is to get there - no matter how long it takes. It CAN be done. YOU CAN DO IT!
    <DIV style="FONT-FAMILY: Book Antiqua;">
    <DIV style="FONT-FAMILY: Book Antiqua;">Never give up! It is worth it, YOU are worth it,and you can do it.
    <DIV style="FONT-FAMILY: Book Antiqua;">
       <FONT face="Book Antiqua" size="2">Roxanne





    <TD vAlign="bottom">
    <TABLE>



    </TD>
    <TD id="INCREDIANIM" vAlign="bottom" align="middle">

    <TD vAlign="bottom" width="100%">
    <TABLE contentEditable="true" style="FONT-SIZE: 12pt;FONT-FAMILY: Times New Roman;" width="100%">


    <TD>
    <P align="right">
    <P align="right">


  9. #9
    brown_eyed_girl375
    Guest

    Default Dave Ramsey Total Money Makeover


    I agree. Most everyone he's referring to make at minimum $100K+ a

    year. His suggestions are practical, yet the examples are a bit

    misleading to those who make a more "modest" income. It can be

    discouraging to someone who is just not able to progress as quickly as

    his "success stories". Has good prinicples though.



    >

    > I have noticed that those who pay off huge amounts of debt in a

    short

    > time usually have huge incomes already and are just simply wasting

    it

    > away to begin with.

    > Someone like myself with a very modest income and after paying the

    > nessasary bills has only a few dollars to pay extra on debt, there

    just

    > isnt any money left to make a differance.

    > I will still have five years with monthly payments to pay down about

    > $22,000

    > It Doesn't seem like a huge amount but when it isn't there it really

    > seems out of reach,but someone making a household income of 120,000

    can

    > realisticly pay off 80,000 in a few years of tight budgeting.

    >










  10. #10
    Lucy Anderson
    Guest

    Default Dave Ramsey Total Money Makeover


    And yet, even when your income is modest (mine was in the lower 20s take home), if you start paying down debt, something happens..... I don&#39;t know how to explain, but I had my debt GONE in a year (except for car) on that low income. There is something about starting in the right direction where it just works.....


    On Wed, Jul 23, 2008 at 1:49 PM, brown_eyed_girl375 <cmbgrimes@yahoo.com> wrote:







    I agree. Most everyone he&#39;s referring to make at minimum $100K+ a

    year. His suggestions are practical, yet the examples are a bit

    misleading to those who make a more "modest" income. It can be

    discouraging to someone who is just not able to progress as quickly as

    his "success stories". Has good prinicples though.[/quote]


    http://www..com
    [/quote]


    Matthew 22:37 - Love the Lord your God with all
    John 13:34 - Love one another
    Matthew 28:19 - Go and make disciples
    [/quote]



  11. #11
    Elizabeth Farnsworth
    Guest

    Default Dave Ramsey Total Money Makeover





    <TD id="INCREDITEXTREGION" dir="ltr" style="FONT-SIZE: 12pt;DIRECTION: ltr;" vAlign="top" width="100%">
    Why not email him and say I've noticed that most of your clients range in the higher income bracket
    and I was wondering if you might do something geared toward those of us with more moderate income.



    <DIV id="INCREDISIGNATUREID">
    <DIV style="FONT-FAMILY: Times New Roman;">
    <FONT face="Garamond" size="3">Elizabeth Farnsworth
    <FONT face="Garamond" size="3">Shaklee Independent Health & Wellness Distributor
    -------Original Message-------


    From: brown_eyed_girl375





    I agree. Most everyone he's referring to make at minimum $100K+ a
    year. His suggestions are practical, yet the examples are a bit
    misleading to those who make a more "modest" income. It can be
    discouraging to someone who is just not able to progress as quickly as
    his "success stories". Has good prinicples though.

    >








    </TD>
    <TD id="INCREDIANIM" vAlign="bottom" align="middle">


  12. #12
    Keith
    Guest

    Default Dave Ramsey Total Money Makeover


    In perspective I make $13.00 an hr on salary with no overtime and

    have severe arthritis that prevents me from working the overtime and

    part time jobs that dave suggests you have.

    I am not lazy just in terrible pain most of the time.

    I would guess most working people make around the same income give or

    take.

    There just arn't jobs here in south eastern Mich



    After taxes,insurance,to the bone utilities,and a $38 two week food

    budget, medical bills that are on credit cards and a car pmt etc it

    is very difficult to pay these cc bills off and with gasoline so high

    now all my "extra income" is gone.The total cc bills are $600 a month

    and not a whole lot left for rent and utilities.

    I have a strict budget that is to the penney,and pretty much daves

    way,I work it every day as it is fluid.

    I could probably teach my own budget class as I can squeeze and pinch

    evey penny( hmmmmm Idea)

    The debt snowball I have is for 6 loans and cc bills for $22,000 and

    will be paid off dec 2010 IF i stick to the budget AND work the

    SNOWBALL, but not in the near future as most of daves listeners seem

    to be able to pay off so quick.

    I suppose another job would help but but even at min wage,taxes.gas

    etc it still would be quite a strech and then theres the physicall

    problem.

    Its the extra nickels and dimes and a few dollars and found soda

    bottle returns that are paying the debt down.

    IT TAKES DILLIGENCE to pay debt off.

    GOOD LUCK to all of you.

    Lets keep giving ideas out and keep up the support



    With a --- In Budget101_@yahoogroups.com, "enjoycooking1952"

    <enjoycooking1952@...> wrote:

    >

    >

    > I'm so glad that I'm not the only one with a modest income. I feel

    > like I'm doing something totally wrong when I hear that people are

    > able to pay their debt off fast, ugh ! I have only a few pennies

    left

    > over after paying the bills and then get upset wondering what I'm

    > going to do until next pay. So, to pay debt off is very

    stressful.

    >

    > Thanks ! Sheila

    >

    > > Someone like myself with a very modest income and after paying

    the

    > > nessasary bills has only a few dollars to pay extra on debt,

    there

    > just

    > > isnt any money left to make a differance.

    > > I will still have five years with monthly payments to pay down

    about

    > > $22,000

    > > It Doesn't seem like a huge amount but when it isn't there it

    really

    > > seems out of reach,but someone making a household income of

    120,000

    > can

    > > realisticly pay off 80,000 in a few years of tight budgeting.

    > >

    >










  13. #13
    Keith
    Guest

    Default Dave Ramsey Total Money Makeover


    --- In Budget101_@yahoogroups.com, "enjoycooking1952"

    <enjoycooking1952@...> wrote:

    >

    >

    > I'm so glad that I'm not the only one with a modest income. I feel

    > like I'm doing something totally wrong when I hear that people are

    > able to pay their debt off fast, ugh ! I have only a few pennies

    left

    > over after paying the bills and then get upset wondering what I'm

    > going to do until next pay. So, to pay debt off is very

    stressful.

    >

    > Thanks ! Sheila

    >

    > > Someone like myself with a very modest income and after paying

    the

    > > nessasary bills has only a few dollars to pay extra on debt,

    there

    > just

    > > isnt any money left to make a differance.

    > > I will still have five years with monthly payments to pay down

    about

    > > $22,000

    > > It Doesn't seem like a huge amount but when it isn't there it

    really

    > > seems out of reach,but someone making a household income of

    120,000

    > can

    > > realisticly pay off 80,000 in a few years of tight budgeting.

    > >

    >

    SHEILA, I too also used to be stressed about the debt and bills

    But now I view it as a game and try new ways to cut the bills and

    utilities,got my electric bill down to $18 last month was 12 the

    month before with out the AC.

    It helps to realize you can't let it stress you out. there isnt a

    whole lot you can do about it SO make a game out of it and squeeze

    every nickle you can.








  14. #14
    Keith
    Guest

    Default Dave Ramsey Total Money Makeover


    GOOD IDEA

    I think the best thing to do for lower income earners would be to

    teach budget and spending habits and management







    --- In Budget101_@yahoogroups.com, "Elizabeth Farnsworth"

    <1_nation_under_god@...> wrote:

    >

    > Why not email him and say I've noticed that most of your clients

    range in

    > the higher income bracket

    > and I was wondering if you might do something geared toward those

    of us with

    > more moderate income.

    >

    >

    > Elizabeth Farnsworth

    > Shaklee Independent Health & Wellness Distributor

    > -------Original Message-------

    >

    > From: brown_eyed_girl375

    >

    >

    > I agree. Most everyone he's referring to make at minimum $100K+ a

    > year. His suggestions are practical, yet the examples are a bit

    > misleading to those who make a more "modest" income. It can be

    > discouraging to someone who is just not able to progress as quickly

    as

    > his "success stories". Has good prinicples though.

    >

    > > .

    >










  15. #15
    Keith
    Guest

    Default Dave Ramsey Total Money Makeover


    WHOO HOOO keep it up







    --- In Budget101_@yahoogroups.com, Ria <aweea_aka_awa@...> wrote:

    >

    > Wow, Nicole - you sound gazelle intense!

    >

    > Good luck with your pregnancy, and keep us posted on your progress!

    >

    > Ria

    >

    > --- On Tue, 7/22/08, Nicole <bnlbjfamily@...> wrote:

    > From: Nicole <bnlbjfamily@...>

    > Subject: Budget101.com : Re: Dave Ramsey Total Money Makeover

    > To: Budget101_@yahoogroups.com

    > Date: Tuesday, July 22, 2008, 4:04 PM

    >

    >

    >

    >

    >

    >

    >

    >

    >

    >

    >

    > Long story short we have read the Total Money Makeover

    and attended

    >

    > FPU classes. We paid off bills, medical deductables, $1,000 in the

    >

    > bank, 1 credit card $1,000 and we started snowballing on my

    minivan.

    >

    > We ended up refinancing our home and paid off the car and

    creditcard.

    >

    > Since spring we have been saving money in order to move. My husband

    >

    > is hopeful to get a job with moving expenses and a sign on bonus

    >

    > and/or student loan repayment offered. We also hope to move to a

    less

    >

    > expensive home. We were able to pay for 2 large purchases that we

    >

    > felt we needed and are saving money for a birth (although I have a

    >

    > threatened pregnancy-we will just have to see). Right now we are

    >

    > going to sell our van and put money back in the bank in our Orange

    >

    > account (which isn't making much money anymore). We are planning on

    >

    > moving, we just do not know where. When we do we will be using the

    >

    > equity to pay off the private loan and at least 10% down on a home

    >

    > (hopefully a less expensive home) and live close to work (My

    husband

    >

    > drives 50 miles a day). The Total Money Makeover is great but I

    would

    >

    > highly recommend going through FPU. We made some small changes and

    it

    >

    > helped us tremendously. We still owe a ton in debt but it is

    >

    > manageable. I have met a handful of people who attended FPU who

    have

    >

    > paid down $30,000 in debt and others who have paid off their

    mortgage.

    >

    >

    >

    > Nicole

    >










 

 
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