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Dollars & Uncommon Sense: Basic Training for Your Money Paperback – January 2, 2012
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Top Customer Reviews
What is so neat about "Dollars and Uncommon Sense" is that it requires only a few hours of your time to get through the book. Steve Repak's military mindset is quite apparent as he drills home his most salient points time and again most notably in a section called "The Take Home" at the conclusion of each chapter. Furthermore, there are exercises and worksheets available to assist you in determining the nature and scope of your financial problems. From where I sit just about everything Steve Repak has to say is pure common sense. It makes you wonder why courses in personal financial management are not taught in our high schools.Read more ›
As a fine drill sergeant (though a warmly supportive one) Repak advises us to sit down, look at where our money goes, make plans to change and then follow those plans. His doable plans include not spending more money than we make, pay off credit cards and put them in the freezer, spend only what is necessary and keep track of those expenditure, save a little out of every paycheck, and once on flat ground consider investing. In each of his chapters he talks to us in an informed way about how to make changes, planning the paycheck, debt release - all under the categories of Basic training, Spending, Debt, and Saving and Investing. At the end of each of the eleven chapters he gives a 'Take Home' - a list of the salient points of the chapter that summarize memorable 'rule and regs' and makes the reader feel accomplishment. For instance, after the chapter about planning for the future his Take Home comments are ' Save 10 percent of your monthly income into Life Happens Account until it contains $1,500.Read more ›
Publisher: RFS Publishing (2012)
Steve Repak describes basic training in "Dollars & Uncommon Sense" and defines it as a time when "...a soldier goes through a process of mental and emotional retraining so he can operate in an environment very different from the civilian world." It's a time when a soldier learns new skills so he will be ready for anything. That's exactly what he recommends we do today to survive in our financial world. His book seeks to transform the way we think about money and give us the skills to build wealth.
When you are finished with reading his book, you will stop using common sense, and start using uncommon sense, that is: doing what most people don't do. Many believe it is the American way to go into debt to buy what you want now. An example of using uncommon sense is buying a car. Rather than buying a car and suffer a 20% decline in value when you drive your car off the dealer's lot, find the car you want, figure out the monthly payment and put that money aside each month for year. After a year, buy the same car with a down payment of the money you saved and the car is 20% cheaper. Only now you have you saved money on the car, and you know you can afford the payment.
As I read the book, I kept thinking about the U.S. and the way our leaders manage our finances. Repak writes that making more money won't solve your spending problems. No matter how much more you make, you will spend more than you take in, if you don't think about money differently.
How does "Dollars & Uncommon Sense" differ from popular Dave Ramsey? Ramsey advises to be totally debt free. Repak believes as Ramsey does, that debt is a four-letter word, but believes you can have a mortgage, since it is so hard to come up with a 25% down payment and he thinks you can go into debt to start a business.
This book should be required reading for everyone of this country if we are to survive financially.
Most Recent Customer Reviews
This is an area that many struggle with, including me! The author outlines strategies that the average person can implement to dig themselves out of debt and create a stronger... Read morePublished 6 months ago by Love Reading
The concept made very good sense for anyone who want to be financially free of debt.Published 23 months ago by Guillerma Michael
Helped me set my goals on the right path and made small corrections to my finances I needed to makePublished on March 29, 2014 by Kenneth Gross
I received this book from Library Thing in exchange for an honest review.
I am so glad I was given the opportunity to read this book! Read more
Very good book , straightforward methods of managing finances , very helpful to me , would recommend to others. Have re-read several times.Published on March 7, 2013 by Doug
Easy read, very clear steps to take to get out of debt and start saving. Also great info on investing.Published on March 3, 2013 by Caron R. Settle
Very well written, practical guidelines and easy to follow suggestions if one wants to learn to handle their money. Steve Repak is the best Financial Advisor a person could have.Published on December 19, 2012 by Judy Jones
I love this book, which I bought for my kindle. At the end of the book are several worksheets that you can't read much less use on the kindle. Read morePublished on December 1, 2012 by Barbara S. Tracy