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Wednesday, August 25, 2010

Total Money Makeover Review & Giveaway




ENDED

AND THE WINNER IS:


ANN CRABS



In my 28 years of marriage and handling finances I have read plenty of financial books.   Dave Ramsey's Total Money Makeover  and his overall philosophy about money is the only one that my husband and I have consistantly followed and had success with.  I think part of that success is Dave's approach.  He is an in your face, down-to-earth, straight talker who isn't afraid to tell you what he thinks.---Hmmmm....that sounds a lot like someone I live with ; )---  His bluntness and  honesty will not appeal to all, but what he has to say is worth listening to.

His advice is appealing because he has been at every financial place imaginable. From millionaire, more than once, to being broke.  He has followed what he teaches and KNOWS that it works!  For me, it's much easier to take advice from someone who has been where I'm at and has successfully moved forward.

I have taught my children his ideas and encouraged them to handle their finances in a similar way.  I know his plan works, because I practice it.

This book is all about NO DEBT; meaning that you should pay for everything using only cash.   Yes, EVERYTHING.....save for it and pay for it.  But how do you start?

He lays out a 7 'baby step' plan to get you there:

1.  Save $1000 as an emergency fund
2.  Pay off all debts using a method called "The debt snowball"
3.  Build up a 3 - 6 month emergency fund
4.  Invest 15% of household income into Roth IRAs and pre-tax retirement
5.  Start a college fund for children
6.  Pay off your house mortgage early
7.  Now you are in a position to build wealth and give
The book also has budgeting forms to help you implement the ideas you've read about.  There are testimonials of people who have successfully used the above 'baby steps' to reach financial independence.

This is a complete self-help book in the area of finances.  Dave's no nonsense style is a great motivation to get moving toward financial freedom.  With the state of our economy, now is the perfect time to take control of your money so that it no longer has to control you.

Dave Ramsey also has many other products to help get control of your finances.  To find out more visit his website at : http://www.daveramsey.com/
He even has a radio show.  You can find a radio station near you or listen online.

I have an additional copy of this book from Dave Ramsey to offer to one of my followers.  Just leave a comment with contact info.  (US residents only, please)

Drawing will be held on Wednesday, September 1, 2010.  If I cannot reach the winner within 48 hours, an alternate winner will be selected.

If you want more information or wish to purchase this helpful book, click the Amazon link to the left.

***I reviewed this book with no compensation from Dave Ramsey or his publisher. I was offered a free book from the company as a giveaway only.  I already owned a copy of this book.

49 comments:

  1. I have heard a lot of good things about Dave Ramsay, but haven't read the book yet. I would love to, though!

    ReplyDelete
  2. New follower from this and that- Love dave Ramsey!

    ReplyDelete
  3. Seams like an interesting book!

    I found you through Ten Talents This for That. am now following you GFC.

    feel free to follow me GFC or enter a giveaway. thank you.

    http://momosgiveaways.blogspot.com/

    ReplyDelete
  4. My contact info. is!

    Monika.Gardiner64@gmail.com thanks!

    ReplyDelete
  5. Yep...we were better at following his methods when we were a young family. Of course, that is why we get to do things now, because we saved then. Plus my husband WAS a skinflint...or whatever name you give someone who can't let go of a penny....BUT we are where we are today because he was like that. Of course, NOW the shoe is on the other foot, so to speak, and I'm the one saying we should be more careful!!!

    ReplyDelete
  6. I came from This for That! Nice giveaway :)
    Gardenstatemom@aol.com

    ReplyDelete
  7. Hi Cindy! I'm following you already from This for That, but I wanted to enter this giveaway. We love Dave...great advice :) Also, I'd love to give you my email for Mrs. Fields, but I already gave it to someone earlier. I didn't enter your email, but if you still want me to send you a referral email, please let me know if it's okay :)

    Blessings,
    StephanieTen Talents...

    ReplyDelete
  8. hello! i found you on this for that! im following and i guess this is how i enter? lol check out my blog when you get the chance! got great giveaways comming up! http://www.mommyreviews-mgmommy0930.blogspot.com

    ReplyDelete
  9. Thank you for following, and following you back, itscindisworld at yahoo dot com. I have been dying to get this book!

    ReplyDelete
  10. Another GFC follower in from This for That. I've never read anything by Dave Ramsey, but would love to!

    http://inside-my-head.com

    ReplyDelete
  11. HI there, following you from This for That. I have heard great things about his book. Even though our family tries to do these things, a reminder is always helpful.

    Check out my blog when you have a chance. I would love for you to follow back.
    http://familyvolley.blogspot.com

    ReplyDelete
  12. Following you from this and that. Stop by http://thespringmount6pack.com and follow back. Thanks

    ReplyDelete
  13. I'm a new follower from This for That. allison.winfield at yahoo dot com

    ReplyDelete
  14. Found you on This for That--LOVE Dave Ramsey, and would love to give this to my brother!

    ReplyDelete
  15. I learned a lot about this book from other bloggers. So I decided to check this book out at my local library. I only scanned most of it but fell in love. We have changed many things we do in our everyday life due to this book.

    I would love to have my own copy!

    frugalracingfanmommy at gmail dot com

    ReplyDelete
  16. new GFC follower.
    preprimaryleann at aol dot com

    ReplyDelete
  17. Entering and following from this for that linky!

    I love DR! He has made us realize that debt is not good and we have done great about trying to get out and stay out of debt!

    ReplyDelete
  18. I love Dave Ramsey. I recently finished taking the Financial Peace University class. Love it and would love this book too.

    linzendrsn at yahoo dot com

    ReplyDelete
  19. I love Dave Ramsey and would love to win a copy of this. Thanks for the great giveaway

    cochina1414 at yahoo dot com

    ReplyDelete
  20. Great the book comes with budgeting forms to help implement the ideas.

    jswaks at gmail dot com

    ReplyDelete
  21. Hi, I'm following you from mom bloggers club. Would love to connect and share blogging stuff. Stop by and visit me at Healthy Living And A Balanced Life. www.AliciaHunter.net

    ReplyDelete
  22. I love Dave Ramsey! Freebie Spot sent me :)

    Lona728@ yahoo dot com

    ReplyDelete
  23. I have heard good things about this book! Freebie Spot sent me!

    ReplyDelete
  24. This book is one my husband and I have wanted to read. Thanks for the wonderful giveaway.


    dianad8008 AT gmail DOT com

    ReplyDelete
  25. I need this so bad!!! I have heard so many good things about his advice at work!
    Carla
    cpullum(at)yahoo(dot)com

    ReplyDelete
  26. I've read the book before, but would love to own my own copy! mjjaegly@yahoo.com

    ReplyDelete
  27. I'd love to win this book!
    Found you from the Mommy Loves Tuesdays Giveaways at HomeGrownFamilies. New follower!

    supremelyhappyjo at gmail dot com

    childrenchoresandchocolate.blogspot.com

    ReplyDelete
  28. we need help
    tcogbill at live dot com

    ReplyDelete
  29. I am a new follower, and I would love a chance to win this book!

    amanda.corley@ymail.com

    ReplyDelete
  30. I have read this from the library but would love my own copy to keep.

    rstcere@gmail.com

    ReplyDelete
  31. I've heard great things about this book! Hope to win.

    The Freebie Spot sent me over to your giveaway!

    elkmeese at yahoo dot com

    ReplyDelete
  32. I'd love to have this book. Thanks!

    karlatrx AT gmail DOT com

    ReplyDelete
  33. I'd love to have this book. Thanks!

    karlatrx AT gmail DOT com

    ReplyDelete
  34. I've heard great things about this book! Hope to win.

    The Freebie Spot sent me over to your giveaway!

    elkmeese at yahoo dot com

    ReplyDelete
  35. I love Dave Ramsey! Freebie Spot sent me :)

    Lona728@ yahoo dot com

    ReplyDelete
  36. Hi, I'm following you from mom bloggers club. Would love to connect and share blogging stuff. Stop by and visit me at Healthy Living And A Balanced Life. www.AliciaHunter.net

    ReplyDelete
  37. Great the book comes with budgeting forms to help implement the ideas.

    jswaks at gmail dot com

    ReplyDelete
  38. I love Dave Ramsey and would love to win a copy of this. Thanks for the great giveaway

    cochina1414 at yahoo dot com

    ReplyDelete
  39. I love Dave Ramsey. I recently finished taking the Financial Peace University class. Love it and would love this book too.

    linzendrsn at yahoo dot com

    ReplyDelete
  40. Entering and following from this for that linky!

    I love DR! He has made us realize that debt is not good and we have done great about trying to get out and stay out of debt!

    ReplyDelete
  41. I learned a lot about this book from other bloggers. So I decided to check this book out at my local library. I only scanned most of it but fell in love. We have changed many things we do in our everyday life due to this book.

    I would love to have my own copy!

    frugalracingfanmommy at gmail dot com

    ReplyDelete
  42. Found you on This for That--LOVE Dave Ramsey, and would love to give this to my brother!

    ReplyDelete
  43. HI there, following you from This for That. I have heard great things about his book. Even though our family tries to do these things, a reminder is always helpful.

    Check out my blog when you have a chance. I would love for you to follow back.
    http://familyvolley.blogspot.com

    ReplyDelete
  44. Another GFC follower in from This for That. I've never read anything by Dave Ramsey, but would love to!

    http://inside-my-head.com

    ReplyDelete
  45. hello! i found you on this for that! im following and i guess this is how i enter? lol check out my blog when you get the chance! got great giveaways comming up! http://www.mommyreviews-mgmommy0930.blogspot.com

    ReplyDelete
  46. Hi Cindy! I'm following you already from This for That, but I wanted to enter this giveaway. We love Dave...great advice :) Also, I'd love to give you my email for Mrs. Fields, but I already gave it to someone earlier. I didn't enter your email, but if you still want me to send you a referral email, please let me know if it's okay :)

    Blessings,
    StephanieTen Talents...

    ReplyDelete
  47. My contact info. is!

    Monika.Gardiner64@gmail.com thanks!

    ReplyDelete
  48. Seams like an interesting book!

    I found you through Ten Talents This for That. am now following you GFC.

    feel free to follow me GFC or enter a giveaway. thank you.

    http://momosgiveaways.blogspot.com/

    ReplyDelete

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