Dave Ramsey

About 2 weeks ago a friend of mine told me about Dave Ramsey and how she and her husband listened to him and are following his instructions to finical freedom! I was a bit skeptic but got a used book of his on eBay, because we NEED a finical makeover. I am half way threw the book “The Total Money Makeover” the revised and updated edition. I have also started listening to his show that (LA, CA) is on 11am – 2pm on AM 890. I am on the program!

He has steps that you take to get to where you need to be. And he talks to you in plain simple language. It is just what I needed to hear and the way I needed to hear it. I knew we were not doing well finically, I have a budget and it doesn’t pay for everything we need (or think we need).

We seriously don’t have any money to waist. We are paycheck to paycheck. I don’t do the coupons because I want to save money – I do it because we can’t afford enough food to feed our family without. However, after listening and reading his work. There are a few things I can do that I hadn’t wanted to do before. It’s going to be many years of sacrifice for us. It won’t be a lot of fun for a couple of years. But I want a better future for our family – so for today we will sacrifice to get the future eventually!

#1 thing I didn’t want to give up. I JUST got a short hairstyle and I LOVE IT. I look great! I have had long hair forever and my husband would trim it for me. As of yesterday I decided to grow my hair out again, and have my husband trim it for me when I need it. Also I was going to take my kids to have there hair professionally cut. Last night my husband and I cut our own kids hair, saving that money too.

Another thing he recommended is sell what you have, say it’s a car that you owe on, buy a car with cash with no payment, well we don’t have anything like that we can sell. BUT we can sell off a lot of our stuff. This comes at a good time for us too. We are renting a 3 bedroom house and the owners are going to sell it – we are getting an AWESOME deal on this house, and I am having a hard time finding a 2 bedroom apartment for the same price we are paying. And honestly – we can’t afford this, we really need to go down in rent about $300 a month! YIEKS! So we will for sure be moving into a smaller place – now is the time for us to sell off our stuff. Everything we can, and start our lives over.

Even if you think you are in good finical standing. PLEASE read this book. If you owe on anything, including your house … read this book. And if you are debt free (congratulations!) read it anyways cause that is only the first few steps - getting debt free, after that he will teach the best ways to invest that money for finical security in the future, life insurance, where to invest, where to save and he is a big propend of giving to those in need.