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Dave Ramsey's Complete Guide To Money Hardcover – March 3, 2015
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received this book via a secret Santa Christmas party and never heard of Dave at the time.
I read it and found out that I did all the debt myths in my life time, as Dave mentioned I was ignorant to the fact that these type of "myths" were the reason I was in debt. However as of today I now own my car, I am almost debt free and am paying for my future wedding with cash. Also thanks to this book I was able to talk a salesman down to $29 dollar from $80 for a gift my future wife really wanted
About the Author
Dave Ramsey is America's trusted voice on money and business. He's authored five New York Times best-selling books: Financial Peace, More Than Enough, The Total Money Makeover, EntreLeadership and Smart Money Smart Kids. And check out his new products: Financial Peace Junior and Junior's Adventures Storytime Book Set! "The Dave Ramsey Show" is heard by more than 12 million listeners each week on more than 575 radio stations, "The Dave Ramsey Show" channel on iHeartRadio, and a 24-hour online streaming video channel. Ramsey Solutions offers a suite of products and services to help people get control of their finances and other aspects of their lives. Follow Ramsey on Twitter at @DaveRamsey and on the web at daveramsey.com.
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Top Customer Reviews
Where I started was I went online and pulled up the statements on all my bank and credit cards and literally went line by line, writing down every transaction, trying to remember exactly how and why I spent the money (most of the time they'll have the vendor on there so you'll know, but trips to the ATM are harder to figure out). I then categorized everything, you know: money spent on eating out, money spent on transportation, miscellaneous, etc. I then wrote down my bills. That gave me an accurate picture of how I had spent my money the last 30 days. Then I compared that to how I would have spent the money had I budgeted to give myself as much money as possible at the end of the month while still doing the things I liked to do. Try to be as realistic as possible. Dave says it'll probably take you 3 months/tries to get good. After this you do what's called the envelope method which is you place money in specific categories based off your budget and your audit. You cash out the money, simply because physical cash is less likely to be spent than "virtual cash". Each envelope represents and has written on it, a specific category such as "Food for the house", "going out", "books", "starbucks".. Whatever. Place physical money in each envelope and take from it daily as needed. When the money's gone that's it. You either stop spending or you continue spending but now with the realization that you have broken your budget, when and where it was broken, and the audit you do next month will show you just how much money was wasted as a result. With this simple strategy along and in depth yet quick and easy analysis of various investment principles and options complete with dollar amount figures of what you should expect if particular dollar amounts are invested now, Dave essentially gives you the map to financial independence.
Ps. When you do your audit whether it's the last 30 days or you do it in real time which Dave suggests, disciplining yourself to record every transaction as it occurs, you should prepare to be APPALLED as I was and as Ramsay says just about everyone is. What most chronically broke people realize as I did is that you're not ACTUALLY broke, you're simply pissing away hundreds of dollars a month on various vices and musings. Simply unaware, not caring enough about how you're spending your money. You already know this but the audit and budget will help you care more. You know when you pull into Mcdonalds and you're thinking "it's only six dollars" or ten dollars but that other voice is in your head like "6 dollars adds up".. After your audit you'll see you ACTUALLY spend about 175 dollars a month on fast food. Now when you're tempted to hit a fast food spot, you're thinking 175 a month, a grand plus over a six month period. You will care more, I found out I was spending around 350-400 on carry out and coffee a month. So yea, these are effective strategies.. I gave it 4 out if 5 cuz im a cynic. !! : ]>
I would love to sit here and write about the great points and tips that David Ramsey talks about in his book, but I want people to pick this book up and read it themselves. One thing I will say is that David Ramsey will completely change your perspective on money and the approach on debt (especially for the Millennials).
I've recommended this book to 3 friends and they have already bought and started reading it. I firmly believe that everyone should read this book. It seriously is for everybody.