Total Money Makeover: Proven Financial Plan

Ça fait moment que je suis Dave Ramsey et je suis convaincue par sa méthode, je cherchais son livre en édition physique. Il est arrivé avant la date prévue et en très bonne état pour jn livre d’occasion, on dirait un livre neuf. Vendeur très sérieux, je recommande.

I’ve always been interested in my finances and my husband and I jointly manage our family’s finances so we both know what’s going on. A friend at church was talking about Dave Ramsey and I had never heard of him before so I decided to look him up and see what kinds of books he wrote. I found this book to be a popular choice of his and I didn’t know how much of it would interest me so I ended up borrowing it from the library initially. I enjoyed his writing and found the information to be helpful so I decided to purchase my own copy to reference at home.

The Total Money Makeover is a personal finance book written by Dave Ramsey. Ramsey is a financial expert as well as a Christian who has had his own money troubles in the past. He’s overcome them and learned from his mistakes so he’s passed along his wisdom in these pages. There are also many stories of people who have been in a tough spot financially who used this book to get themselves out of debt. This book is 237 pages long, contains 13 chapters, worksheets and a full index.

I found this book to be helpful and I really enjoyed reading it! Dave Ramsey writes in a no-nonsense fashion and if he says something is stupid or a bad idea, he will say exactly that. He doesn’t beat around the bush. He provides step-by-step information on getting yourself out of debt and what to do if you have a crisis while you are working on getting yourself out of debt (he also refers to Murphy’s Law quite a bit so something will always happen). I like how he tells us what types of companies, funds, etc to avoid and what ones are good ones. Even though he knows a lot about investments, he doesn’t provide extensive investment information in this book but he does give some information on what types of funds he thinks are best based on trends.

I enjoyed this book so much that I told my sister about it and she said she wanted to read it too so I bought one for her and one for myself. I’ve told others about the book and I think it is helpful, no matter what your financial situation is. Some parts of the book didn’t apply to us but I found the second half of it to be especially informative which is why I decided to buy a copy. Unless you already have millions of dollars in the bank and have all of your finances under control (retirement, investments, kids’ college education, etc.), I think you’ll find the information in this book to be useful.

If you have a lot of credit card debt and loans and want to get your finances under control, I highly recommend this book. Even if you don’t have a lot of debt but you want to find a smarter way prepare for your kids’ college education, this is a great book to read. It’s very informative and you can also borrow a copy from a friend or the library first before you buy your own. I’m glad I bought it because the small investment in this book has caused us to take a closer look at our finances and see what we can do better. Overall, I feel it’s worth the money and time to buy and read this book so you have a financially-fit future!

Great read especially for people starting on their budgeting journey.

As a financial advisor, I love how easily dave explains everything in this book. The total Money Makeover isn’t just a book, it’s a lifestyle. I buy this book for every young client that sits with me and says “I really don’t know much about finance”. If you;re in debt or struggling to get out of debt, this is the book for you!

I LOVE LOVE LOVE this book!

I saw some comments on my Facebook from different friends saying what a difference this book had made in their lives so I decided to read it. I first went to my public library to check it out, but they did not have it in stock. They had about 15 copies of this book and ALL copies were checked out!! This reinforced my belief that this book was worth my time. So I decided to buy it on Amazon since I could not wait to start reading it. Two days later, the book arrived! I sat on my couch and read non-stop from beginning to read (ok, maybe not non-stop, I took breaks to eat and use the restroom). But I did read this entire book in one day! It was a super easy, entertaining book to read. It is written in plain language so that anyone can understand. I love the way Dave Ramsey explained different myths about money/debt and it really hit home.

As soon as I finished reading the book, I called my boyfriend and told him I wanted him to read it too. My boyfriend finished reading it a few days later and we both LOVED IT. We have already created our very first monthly budget and are hoping to complete baby step #1 (save $1000 as a starter emergency fund) by the end of next month and start baby step #2 (the debt snowball) right away. I am SO excited about starting my total money makeover and cannot wait to be debt free and building wealth. This book changed my life and my views on debt and credits cards. It was a huge eye-opener.

I have told everyone I know about this book. I think every person should read it. It is an amazing book. I am planning on reading all the other books written by Dave Ramsey 🙂

UPDATE: I just purchased this book AGAIN to give to my sister as a Christmas present! Also I am on Baby Step #2 and have paid $32,000 so far in debt in the last 12 months!!! This method works!! Also I have read ALL other books written by Dave Ramsey, his daughter Rachel Cruz, and Chris Hogan (one of Dave Ramsey’s personalities). ALL books are amazing and I totally recommend them!