Dave Ramsey Total Money Makeover

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

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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%">
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