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The Total Money Makeover
The Total Money Makeover: A Proven Plan for Financial Fitness | Dave Ramsey
A strategy for changing attitudes about personal finances covers such topics as getting out of debt, the dangers of cash advances and keeping spending within income limits.
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Kshakal
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Alwaysbeenaloverofbooks 💰📚👍🏻 10mo
29 likes1 comment
review
Shae_Purcell
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Bailedbailed

I don't doubt that Dave Ramsey's plan works. I think if I'd read his Baby Steps first, instead of the “motivational“ pep talk at the beginning, I would have enjoyed this much more than I did. I made it through about 80 pages and decided to skip the rest in favor of his budget app (which I like!). Unless you enjoy this kind of tough-love approach, that's what I would recommend.

Full review here - https://www.goodreads.com/review/show/4191025413.

Sumi I have to say that the Dave Ramsey thing can, at times feel like a cult - but apparently his plan works. 2y
Shae_Purcell @Sumi I can definitely see that! 2y
39 likes2 comments
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Shae_Purcell

“Remember, I have been broke twice in my life, but never poor; poor is a state of mind.“

Tell us more about all that privilege, Dave. Should someone have a different experience than smart, rich, diligent Dave then they are simply “not smart people.“ His way is the only way that works and he reminds us repeatedly. I hope the tips at the end of the book are worth all this mess at the beginning.

BookDadGirlDad I can say that the success you find from this will be solely based on the effort you put in to doing it. His "methods" have helped myself and many I know. I only owe my mortgage. The rest is still a work in progress 2y
Shae_Purcell @BookDadGirlDad That's great! His website has a lot of the same information, so I think I'll skip the rest of the book and finish up there. If I'd started with his Baby Steps instead of reading the “motivational“ first half of the book, I think I would have enjoyed this much more. His tone doesn't sit well with me. He did warn me in the beginning that I'd probably be offended, so I suppose that's fair. 😄 2y
25 likes3 comments
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ElizaMarie
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Mehso-so

I listened to this, it was read by the author and he just has that condescending tone to him that made it difficult. But there are some takeaways.

1. $1000 savings - I have more than this in the savings account but it says to have cash - I will pull $ out soon
2. SnowBall Debt - recently paid off credit cards, so I have a car and house payment (and student loans soon). I plan to pay off the car before my student loans repayment is to start ⬇⬇

ElizaMarie 3. Start the student loan repayment early (after the car is paid off)
4. 4 months emergency fund (this takes kinda looking at what I pay each mother - so I need to do that first)

All and all, thank you @jb72 for the reccomendation.
2y
jb72 I agree. His tone does have a condescending attitude to it. It took me a bit to get past that the first time I listened to the book. 2y
TheAromaofBooks We took his course several years ago & did come away with some helpful concepts that we still use, but he definitely has an attitude of his way is the ONLY right way & that grates on me a bit. For instance, our income is different every week because of the way my husband gets paid/I'm seasonally employed - so it doesn't really fit into his “a place for every penny“ method. But it did help us start thinking about where we want our money to go ⬇ 2y
TheAromaofBooks (cont'd) instead of looking to see where it went!! Having a brief weekly budget meeting has been really helpful for our marriage as well, that check-in to make sure we're on the same page, bills are getting paid, money is getting set aside of whatever is coming up, etc. We also allocate “allowance money“ for both of us - fun run money that we can spend with no judgment from the other person (you'll never believe this, but mine is BOOKS! 😂) ⬇ 2y
TheAromaofBooks (cont'd) & I absolutely love that. Anyway, I get all rambly, but good luck with your budgeting endeavors. I think Ramsey is a great place to start & make budgeting work for you from there!! 2y
19 likes5 comments
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ElizaMarie
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“90% of solving a problem is realizing there is one”

So, I don't budget. I feel like I am doing well financially. I have a nice nest egg for emergencies. I am only 15% done. So far.... takeaways - I don't like his voice! Also, it hasn't said anything yet that is profound.

The quote - do I have a problem? That's the big question. I really just need to understand budgeting!

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Shae_Purcell

The introduction says this book is not politically correct, so Ramsey's given himself permission to be offensive if he feels the need. I can't say I've seen anything that's offended me yet, but all the talk about being “financially fat“ is getting tiresome. This book was written nearly 20 years ago though, and I was weight-obsessed back then too. Hello, South Beach Diet!

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BookB

“If you live like no one else, later, you can live like no one else”

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TheBookDream
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shortsarahrose
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Mehso-so

- some sound advice
- listened to audiobook read by author. His tone is very condescending.
- weird Christian overtones throughout?
- that chapter on college/student debt that blames students for their debt rather than a corrupt system where costs rise faster than inflation and you can no longer pay a year‘s tuition with what you earned over the summer? Ok, boomer
- seriously, stop using your plan to try to explain broader economic issues 🙄

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Lucy4

“ A man with an experience is not at the mercy of a man with an opinion.”

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Lucy4

Aristotle once said , “ To avoid criticism say nothing, do nothing, and be nothing.”

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Lucy4

Like Albert Einstein said, “ Great spirits have often encountered violent opposition from weak minds .”

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Lucy4
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Lucy4 If you will live like no one else, later you can live like no one else . 5y
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plaidchuck
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Pickpick

These are, simply put, the steps that the book outlines to begin a Total Money Makeover. Seems simple right? apparently not if this guy has a job and people have made the book a bestseller! But really the book is about changing the mentality and often lifestyle that goes along with these steps. The number one thing really is to set a realistic budget for every liquid dollar that you have and make it work. Recommended for everyone!

CouronneDhiver My household recently switched back to using cash for our purchases and its made a massive difference. Way harder to spend it all if you have to look at it. 5y
plaidchuck @CouronneDhiver ah as in using physical cash? I've paid off and stopped using credit cards but yet to have graduated to this level. I can imagine it really is eye opening when it comes to impulse purchases 5y
31 likes2 comments
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TheBibliotherapist
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Just started this book on my new paperwhite. Wanted to show off my cover!

QuoteQueen So pretty! 😍 6y
5 likes1 stack add1 comment
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Wendyreadsalot
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Pickpick

Transformed my financials, can‘t recommend enough! Salvation Army haul!

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QueenBook
Pickpick

Ok so finances really is common sense, but this guy just makes you reevaluate your financial health! Run and BUY THIS BOOK!!!!! It's a must read!

27 likes1 stack add
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TheBookDream
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Stuff I'm working on for #Litsypartofone! #financialreads #POTC

CrowCAH How do you like The Price of Freedom? I'm currently rereading it; I ❤️ POTC!!! Treasure that library book, cause it's a rare copy! 7y
TheBookDream @CrowCAH I actually haven't read it yet. I am looking forward to it. It does seem to be hard to find, huh? I was surprised when I saw it since I didn't know A.C. Crispin wrote that late in her life. I loved the Star Trek novels she wrote back in the day. 7y
CrowCAH @TheBookDream neat! It was my first read for A.C. Crispin; well done. The book came out the same year as On Stranger Tides; already six years ago! 7y
20 likes3 comments
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annahenke
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My family is going to think I'm crazy. I used to think this was crazy. But I'm doing it. I need a money makeover. I'm going to start up at least one side hustle and start tackling my student loans. Here I go!

#finances #financebooks #personalfinance #financialpeace #daveramsey #totalmoneymakeover

AnnieReads Good for you!! 7y
josie281 I use parts of this. Good luck! 7y
I-read-and-eat Sounds like a good plan! (I just googled this book as I am not familiar with it, turns out I am right on track according to this theory) Just one question, is it common to have dept in the US? As having no dept seems to be his main point. Most people I know are raised with this no dept idea, buy what you can afford (except for a house ofc) Just curious to see how other countries deal with this. 7y
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annahenke @I-read-and-eat Yes, debt is common and considered normal in US generally. I have student loans and medical bill debt on a credit card, so it's not like I've gone nuts. But it's time I got serious about it. Car debt is another biggie in US. 7y
LectricSheep @I-read-and-eat Debt is such a huge problem in the US, often, as @annahenke pointed out, to student loans and medical bills. My partner is going into medicine, and many of his classmates are graduating from medical school $200,000 in debt from med school alone, not including what they might have had to take out for undergrad. Unless you have help, it's very hard to graduate school without significant debt. (edited) 7y
MrsV Getting out of debt is not always easy. I as an 18 year old fell for the credit card trap, add that to the student loans, many people come out of college already behind. One of the best feeling came with that last student loan payment being sent. 7y
LadyBrik Good luck! We paid off $80k in student loans and then our mortgage in 8 years using Dave's debt snowball. It's an amazing program! 7y
Clare-Dragonfly Good for you! 🙌🏻 If you get interested in the whole idea of frugality/saving more, I highly recommend the Frugalwoods blog. 7y
Hoopiefoot Good luck! It can be tough to get started but is worth it. "Live like no one else so you can live like no one else!" 7y
annahenke Awesome @MrsV and @hoopiefoot and @LadyBrik - and that's exactly why I'm doing this! 7y
annahenke @Clare-Dragonfly thanks for the rec! I'll have to check that out. I'm seeking out wisdom all over the place right now. 7y
I-read-and-eat @LectricSheep @annahenke That's so sad. To have to start your adult life with such huge dept. My student loan is about 5k which I can easily pay off after my graduation. I am glad the Netherlands does not really have a creditcard culture. We only use it for hotel bookings and such. 7y
TheBookDream How is this going for you? 7y
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BookBelle84
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Pickpick

This is a very good introduction in how to get out of debt and save for retirement. My boyfriend and I have been looking to buy our first place and have been having some difficulties understanding mortgages and retirement savings plans. This has a great plan that I'm excited to try and easy to understand explanations! If anyone has any other suggestions I'd love to hear them!

Texreader Good luck!!! 7y
32 likes1 comment
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Crafts4others

Listening to the audiobook. So far only on the first chapter. In regards to any self-help type books I usually not agree with everything an author says, but find at least some good tips. I think though sometimes people expect too much from self-help books and thank if a book isn't a miracle in their life then that it isn't any good. Hope I find some good tips and they usually make me think more inward about my thoughts, actions and feelings.

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Cassylove12
Mehso-so

The book is good and has great tips. You have to take the tips slow to get there but it's doable. I really like how there's actual stories from people in there.

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LastPaigeFirst
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