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Most Helpful Favorable Review
27 out of 28 people found this review helpful.
A Workable Plan
What I liked best about this book is that it doesn't just rattle off a bunch of things that we should be doing - saving for retirement, paying off credit cards, investing - we already knew what we SHOULD be doing. This book gives you a gameplan and tells you what you s...Read More
What I liked best about this book is that it doesn't just rattle off a bunch of things that we should be doing - saving for retirement, paying off credit cards, investing - we already knew what we SHOULD be doing. This book gives you a gameplan and tells you what you should do first and why. For instance, my husband and I want to buy our first home, and we wanted to know if we should pay off our student loans first, or save up for a big down payment. The book prioritizes those types of things. It's easy to read, and it makes perfect sense. Dave tells you how everyone, no matter how bad the debt situation, can get out of debt effectively and move towards building wealth.Show Less
posted by Anonymous on January 2, 2008
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11 out of 18 people found this review helpful.
Weak book
If one can follow Ramsey's advice they will certainly get out of debt and do well financially. The problem is that it takes a great deal of personal responsibility to do so. Ramsey argues that credit cards are bad because most people cannot avoid carrying a balance. ...Read More
If one can follow Ramsey's advice they will certainly get out of debt and do well financially. The problem is that it takes a great deal of personal responsibility to do so. Ramsey argues that credit cards are bad because most people cannot avoid carrying a balance. Those same people are those that cannot stick to a budget. If you can follow his advice, you can also manage a credit card. The key is to pay it off every month. Dave does not seem to think his readers can handle that, but they can handle being on a very strict budget for years. Most of the book is cheerleading for itself. The tenets could be written in a paragraph. They will work, but save yourself the money and you will be 15 bucks ahead on your way to financial freedom.Show Less
posted by 891769 on January 25, 2009
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Anonymous
Posted January 2, 2008
A Workable Plan
What I liked best about this book is that it doesn't just rattle off a bunch of things that we should be doing - saving for retirement, paying off credit cards, investing - we already knew what we SHOULD be doing. This book gives you a gameplan and tells you what you should do first and why. For instance, my husband and I want to buy our first home, and we wanted to know if we should pay off our student loans first, or save up for a big down payment. The book prioritizes those types of things. It's easy to read, and it makes perfect sense. Dave tells you how everyone, no matter how bad the debt situation, can get out of debt effectively and move towards building wealth.
27 out of 28 people found this review helpful.
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Anonymous
Posted January 25, 2009
Weak book
If one can follow Ramsey's advice they will certainly get out of debt and do well financially. The problem is that it takes a great deal of personal responsibility to do so. Ramsey argues that credit cards are bad because most people cannot avoid carrying a balance. Those same people are those that cannot stick to a budget. If you can follow his advice, you can also manage a credit card. The key is to pay it off every month. Dave does not seem to think his readers can handle that, but they can handle being on a very strict budget for years. Most of the book is cheerleading for itself. The tenets could be written in a paragraph. They will work, but save yourself the money and you will be 15 bucks ahead on your way to financial freedom.
11 out of 18 people found this review helpful.
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Easy-to-follow directions
I purchased this to try to make sense out of some pretty deep debt (80k). Paying minimum payments on each card would have me dying before paying everything off. Using Dave Ramsey's snowball method, I've calculated that I can be debt free in February 2011. This has certainly given me a new "lease on life" and I do not feel the weight of the world on my shoulders. It is simple, straight forward, and does not require that you eat rice and beans for eternity. The tables are simple and easy to understand. The only down side to the book is that there is a bit too much fluff.
10 out of 10 people found this review helpful.
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Anonymous
Posted October 24, 2004
Not Exhastive
I'm facing bankruptcy. This book has lots of scenarios, most very general, and useless to my financial situation. I'm one of the millions working poor buying books to support multi-million dollar authors and this habit has become a financial burden. This is one that will go back to the stores. For those facing hard financial choices highly recommend Surviving Financial Disasters (for the cut throat truth about a way out), The Autmatic Millions (for hope) and The richest man in Babylon (for a good read).
9 out of 32 people found this review helpful.
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Do You Want To Change Your Financial Life Or Not
Dave Ramsey is a nationally syndicated radio and television host, husband, father, teacher, Christian, and so much more. In the Total Money Make Over, you will learn everything you need to know about getting control of your money, get out of debt, what to do with all the leftover money, and love the people around you. THIS IS HARDCORE TEACHING! SO BE PREPAIRED TO LOOK IN THE MIRROR AND GET FIRED UP!!! If you follow his teaching and principles you will understand that money good or bad is just the tip of the iceberg. As my personal coaches (Mike & Lisa - the couple that gave me this book) keep saying to me, "GOD's economy or man's economy?" It is an understatement to say that this book has revolutionized my existences.
7 out of 7 people found this review helpful.
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Anonymous
Posted February 18, 2009
I Also Recommend:
Things I wish I knew 20 years ago
If you don't have the money to pay for something, then don't buy it. Sounds simple but how many of us really live this way. Credit cards when not used wisley can lead to personal financial crisis. Until I read this book, I thought I'd be paying off debt for the rest of my life. It wasn't until I read this book that I truly understood that I would have to change the way I live and view money before I could start climbing out of debt.
7 out of 8 people found this review helpful.
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BigMommaMV
Posted October 27, 2008
Take our money back!
Love Dave Ramsey. I listen to him on the radio and decided to read his book. I thought that I would fall asleep reading a financial book but what it did was wake me up. I read this book from cover to cover in a day and now our family is on Step 2. Thanks Dave Ramsey! I 'm telling everyone I know about your book.
7 out of 8 people found this review helpful.
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Anonymous
Posted November 21, 2007
Ramsey's Simple Approach Is Brilliant
I purchased this book several years ago. What an immediate impact it made on me however, after several months 'eerrr, okay, years' of coaxing my wife, she is finally on board. The results are astounding. We have paid off over $100,000 in non-secured debt and are well on our way to being debt free including our $250,000 home. Dave, your consistency in delivering a strong message about debt is appreciated.
7 out of 7 people found this review helpful.
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Anonymous
Posted February 23, 2009
Amazing !!!
Loved this book and it inspired me to get going with a debt free plan!!! We do not need government bailout/stimulus....we need to help ourselves and be responsible for our lives and finances!!! Great Book, I'm on Baby Step 2, right now and I can't wait for the Debt Free end result. This book will change the way you do things and it will change the way you think.
6 out of 8 people found this review helpful.
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Anonymous
Posted March 30, 2009
Excellent Read/Good & Helpful Information
This book was VERY helpful and easy to understand. It definitely motivated me to move forward with the plan he explained!
5 out of 6 people found this review helpful.
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Anonymous
Posted August 20, 2007
This book smacks you right between the eyes!
For anyone who has listened to Dave Ramsey on the radio or in person this book may not teach you anything he hasn't already told you. However it's nice to have it all in one place for you to look up any time. For anyone who has debt and has no idea who Dave Ramsey is YOU NEED THIS BOOK! As he explains how to turn your debt into wealth you think to yourself this is so simple. Yet so many people choose to stay in debt. Dave Ramsey teaches you how to pay off your debt, build an emergency fund, and save for college all at the same time. Oh, and possibly pay off your home 10 to 20 years early. He does all this using a process that doesn't overwhelm you, in fact it is done in a way that will keep you motivated throughout the process.
5 out of 5 people found this review helpful.
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Anonymous
Posted July 21, 2008
THIS MAN CHANGED MY LIFE!!!!
If you truly want to get out of debt this is the book to read, this man has changed my life and in a year I found financial freedom. If I did it anyone can do it, it wasnt easy but I was tired of being a slaved of credit card company's. This book is a MUST.
4 out of 5 people found this review helpful.
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Anonymous
Posted April 17, 2006
What an eye opener!!
I stumbled across this book in the book store before I had ever even hear of Dave Ramsey. I had told everyone I knew about it. This book made me face reality and stop listening to friends and family who had me convinced that debt was just a part of life. This book has done more than put me on the road to financial freedom. It has helped me to not define myself by money. It is just an uplifting book (which is nice when the reality of your debt is getting you down.) This book just gives you direction when you have no idea where to start.
4 out of 4 people found this review helpful.
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Anonymous
Posted May 23, 2008
Excellent explanation that you don't need credit
It's funny how we learn that you need to have credit no matter what. I've worked in the financial industry for 12 years and I truly see how the game works now. I'm well on my way with the snowball and can't wait to get to the last stage of the plan!
3 out of 4 people found this review helpful.
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Anonymous
Posted August 9, 2007
Good Book
As a CPA, I wish that all my clients would read this book. I don't agree with everything he says, but if the average person would listen and follow him, they would be much better off financially.
3 out of 4 people found this review helpful.
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Anonymous
Posted August 9, 2004
Everyone Needs this book
This book is amazing! Get it! Read it! Get started on your TMMO today! A common sense guide to getting out of debt forever & making your money work for you.
3 out of 3 people found this review helpful.
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Cajunsmama
Posted January 24, 2010
One of the best books out there on personal finances
Dave Ramsey incorporated enough humor to make the subject of finances enjoyable and to hold your interest, while providing a good, basic personal financial management program. I've put to use a lot of his program, and found that he's definitely right when he says that if you use cash for most of your daily purchases, i.e. groceries, fuel, clothes, etc., you will save money since it's harder to part with actual cash than to blithely sign your name on a credit card slip you barely look at. Also when you know that you only have so much cash with you, you can't go off the deep end and buy way more than what you have money to cover.
2 out of 2 people found this review helpful.
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Anonymous
Posted August 22, 2009
A must read for everyone, especially in this economic climate.
I think Dave Ramsey has the solution to people's financial difficulties. He has helped thousands of people learn how to get themselves out of debt and into financial freedom. His no nonsense approach to finances, leaves the reader with the tools to gain control of the money that flows in and out of their households. This book is full of practical principles and common sense.
2 out of 2 people found this review helpful.
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Rootster
Posted August 8, 2009
Extremely motivating! We've already started eliminating our debt.
This book is totally worth reading and following if you want to get on a budget and get your debt paid off. He puts things into perspective and makes you really motivated to getting your finances in order. We've really stopped blowing our money and we actually know where it goes now instead of looking at the bills and receipts trying to figure out where it went after we spent it.
2 out of 2 people found this review helpful.
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Don55
Posted February 25, 2009
The Total Money Makeover
You can read the book in simple terms and understand it
2 out of 4 people found this review helpful.
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