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The Total Money Makeover Workbook: A Proven Plan for Financial Fitness [NOOK Book]

Overview

A simple, straight-forward game plan for completely making over your money habits!

Best-selling author and radio host Dave Ramsey is your personal coach in this informative and interactive companion to the highly successful New York Times bestseller The Total Money Makeover. With inspiring real-life stories and thought-provoking questionnaires, this workbook will help you achieve financial fitness as you daily work out those newly defined money...

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The Total Money Makeover Workbook: A Proven Plan for Financial Fitness

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Overview

A simple, straight-forward game plan for completely making over your money habits!

Best-selling author and radio host Dave Ramsey is your personal coach in this informative and interactive companion to the highly successful New York Times bestseller The Total Money Makeover. With inspiring real-life stories and thought-provoking questionnaires, this workbook will help you achieve financial fitness as you daily work out those newly defined money muscles. Ramsey will motivate you to immediate action, so you can:

  • Set up an emergency fund (believe me, you're going to need it)
  • Pay off your home mortgage―it is possible.
  • Prepare for college funding (your kids will love you for it)
  • Maximize your retirement investing so you can live your golden years in financial peace
  • Build wealth like crazy!

With incentive exercises that really do exercise your spending and saving habits, Ramsey will get your mind and your money working to make your life free of fiscal stress and strain. It's a no-nonsense plan that will not only make over your money habits, but it will also completely transform your life.

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Product Details

  • ISBN-13: 9781418572273
  • Publisher: Nelson, Thomas, Inc.
  • Publication date: 1/21/2004
  • Sold by: THOMAS NELSON
  • Format: eBook
  • Pages: 256
  • Sales rank: 71,801
  • File size: 5 MB

Meet the Author

Dave Ramsey
Dave Ramsey
Dave Ramsey conducts financial workshops through Lampo, Inc., and is the host of a popular nationally syndicated radio talk show. He holds a degree in finance from the University of Tennessee.
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Read an Excerpt

The Total Money Makeover Workbook

A Proven Plan for Financial Fitness


By Dave Ramsey

Thomas Nelson

Copyright © 2003 Dave Ramsey
All rights reserved.
ISBN: 978-1-4185-7227-3



CHAPTER 1

The Total Money Makeover Challenge


Key Concept #1

No Money ... Is No Fun

I remember the feelings vividly. For several years in my twenties, I faced the end of every month with dread. I had too much month left at the end of my money. I was not having fun.

I wasn't afraid of hard work and sacrifice. I didn't need a secret formula for making money. I didn't need a positive-thinking guru to pump me up and tell me to have a positive attitude. I was simply sick and tired of being sick and tired when it came time to "do the bills." I felt hopeless, as if I were running a financial race with no traction and no ground covered. Money came in and money went out, with nothing REAL to show for my effort or income.


What About You?

Do you feel as if you have full control over your money ... or are your bills controlling you? The amount of control you have over financial matters is often reflected in how you FEEL about money matters in general.

The same thing is true, of course, when it comes to any area of your life in which a "makeover" might be needed.

If you are in very bad health—or your physician tells you that certain numbers in your lab reports and exams are "abnormal"—you may become highly motivated to undertake a new exercise, diet, or better-health plan. If your spouse tells you the end of your marriage is on the horizon—you may become highly motivated to seek out a counselor to help you revamp the way you relate to your spouse and to improve your marriage. There's a feeling that hits the pit of your stomach when you finally wake up and say to yourself, "Something's got to change! I can't continue to live this way ... the fact is, to continue this way isn't really to LIVE. It's just to exist, to endure, to put in the time and the miles and hope I end up somewhere I like."

Before you are truly willing to embark on a Total Money Makeover, you need to face up to how you FEEL about your current financial situation. That will tell you how motivated you are to do something about changing your financial situation.

Plain and simple, if you like your current financial situation, you probably feel pretty good about money matters, and you don't need a makeover.

On the other hand, if you DON'T like your current financial situation, you probably feel pretty lousy about your finances. A makeover is for you!


Exercise #1

How Do You Feel About Money?

I challenge you to take the "Ten Situations Test" below.

Respond to each of the statements below quickly and instinctively with a simple "I like to talk about this" or "I don't like to discuss this."

LIKE to Talk: The "LIKE to Talk" category includes responses such as "I enjoy getting new ideas about this" and "I don't have anything to hide on this subject." "LIKE to talk" should reflect an enthusiasm—not a reluctance—for talking, and a willingness to be open, honest, and candid. Finally, the "LIKE to talk" category should not reflect just an "I've got a pat answer already prepared" attitude, but rather an "I think this is a good opportunity for a candid sharing of ideas and opinions" attitude.

HATE to Talk: Included in the "HATE to talk" category are responses such as "I wouldn't be caught dead discussing this" and "I'd do just about anything to avoid a serious conversation about this." "HATE to Talk" should be checked if you feel reluctance, awkwardness, or dread.


LIKE HATE
to to
Talk Talk


[] [] 1. Someone asks, "How are you doing financially?"

[] [] 2. Your spouse wants to discuss this month's budget.

[] [] 3. Your tax accountant calls and says, "Let's meet."

[] [] 4. Your pastor wants to have lunch with you (and you know he
wants to discuss the possibility of your making a specific
contribution).

[] [] 5. Your child asks you to co-sign a loan (or a credit-card
application).

[] [] 6. The money manager in your family says, "I have some concerns
about a few credit-card charges."

[] [] 7. A friend says, "What do you invest your money in?"

[] [] 8. A supplier or vendor asks, "Do you want this automatically
deducted from your bank account each month?"

[] [] 9. A loan officer says, "Tell me about your financial situation."

[] [] 10. A parent asks, "Did you ever pay off that debt you had?"


Most thin, fit people ENJOY telling those who ask about their exercise routine, the diet plan that helped them shed the pounds, and other health matters. Thin, fit people are actually MORE likely to see a physician or read health-related articles than those who are overweight or out of shape.

Those who have children who are excelling, or who have marriages that are loving, usually ENJOY talking about their family relationships.

And ... those who are financially fit usually ENJOY talking about money matters and sharing their insights into money management.

Take another look at the way you responded to the situations listed above. Overall, how do you rate your willingness to face and discuss your financial situations?

Circle one of the two responses below ... and then cross through the statement that does NOT reflect the way you feel:


Response #1: Overall, I am WILLING and EAGER to discuss financial matters openly and candidly.

Response #2: Overall, I am NOT WILLING and NOT EAGER to discuss financial matters openly and candidly.


Exercise #2

Scared or Smiling?

How do you FEEL—gut-level, first response—about each of the twelve money matters below, on a scale of 1 to 4 (1 being "scared" and 4 being "Smiling All the Way")?

(1) (2) (3) (4)

Scared A Little Under
Smiling All

Worried Control the Way

1. Paying this month's utility bills: _____

2. Making the current car payment: _____

3. Paying next month's mortgage: _____

4. Funding retirement: _____

5. Paying for the kids' college: _____

6. Paying back a loan: _____

7. Paying the minimum on this month's credit-card bills: _____

8. Paying off all this month's credit-card bills in full: _____

9. Ability to handle an emergency expense: _____

10. Prepared to pay for a child's wedding: _____

11. Having your children think well of you because of the inheritance you will leave to them when you die: _____

12. Taking a nice family vacation this year: _____


The truth of the matter is ...

If you feel SCARED or fearful about any of these money matters, you likely are NOT in control of your finances—they are running your life, and perhaps even ruining your life!

If you feel A LITTLE WORRIED, you also are NOT in control of your finances—you very likely just aren't admitting how scared or fearful you are that things could spin out of control at any moment. Those who are A LITTLE WORRIED are only "a little confident" that things are going in the right direction.

If you feel UNDER CONTROL, you may very well BE in control ... or you may be in a state of denial about your finances. I have encountered numerous people who say, "No problem," because that's the way they want their lives to be, when in truth, anybody looking objectively at their situation would shout out loud, "Man, you've got a PROBLEM!" Control is a term we sometimes use to talk ourselves into believing that things are going to turn out all right, and that a negative situation is manageable—a little like riding a bucking bronco is manageable if you manage to stay in the saddle.

SMILING ALL THE WAY ... should be interpreted as "smiling all the way TO THE BANK AND BACK"! If you checked "smiling" for most of these statements, it's likely you don't need a TOTAL Money Makeover. But ... you may need money makeover tips for those specific areas in which you answered anything other than SMILING ALL THE WAY.


Key Concept #2

If You Don't Know How Money Works ... What Future Is There in Working for Money?

When I was in my late twenties, my wife and I went broke. We lost everything because I didn't know how money works. We hit bottom hard and lost everything. It was then I began a serious quest to learn how money works. I came to realize:

1. It's up to me. My money problems, worries, and shortages largely began and ended in my mirror—nobody "made" me poor or a bad money manager. I had to take full responsibility for my own stupidity.

2. God's and Grandma's way of handling money works. Wealth building isn't rocket science. The principles are simple, time-proven, and effective. In a nutshell, "spend less and invest more" is a five-word financial strategy that every person over the age of five can comprehend!

3. Winning at money is 80 percent behavior and 20 percent head knowledge. It's not enough to know good financial principles—it's acting on those principles that's important.


What About You?

One of the first things any fitness adviser will tell a person is this: Stand in front of a mirror and take a long, hard look at yourself—preferably while you are wearing minimal clothing. Do you like what you see?

If not, are you willing to own up to the fact that YOU are the person who allowed yourself to get fat and flabby?

Are you willing to own up to the fact that the three basic principles of fitness aren't all that difficult to comprehend? Eat less, eat the right foods, and exercise more are concepts even a child can understand.

Are you willing to own up to the fact that it doesn't matter how much you KNOW about diet plans, good nutrition, or exercise UNLESS you are willing to put what you know into high gear? You won't get fit unless you actually EAT right, EAT less, and EXERCISE more.

These are givens in achieving physical fitness.

The same is true for financial fitness.


Exercise #3

Whose Fault Is it?

Check true or false for each of the statements below.


TRUE FALSE

[] [] 1. My money problems aren't my fault.

[] [] 2. My money problems are only PARTLY my fault.

[] [] 3. My money problems are MY fault.


If you checked TRUE for statement number one or number two above, you need a reality check. The TRUTH is, your money problems are YOUR fault.

"But ...," you may say, "it ISN'T solely my fault." Let's explore that. Whom do you blame for your money problems?

Check any of the following that you believe apply ... and then tell why.


My Money Problems
MY PART in This Was ...

Are the Fault of ...


My spouse [] ______________________

My parents [] ______________________

My children [] ______________________

My "bad luck" [] ______________________

Interest rates [] ______________________

My employer [] ______________________

The government [] ______________________

My bank [] ______________________

My financial adviser [] ______________________

My personality type [] ______________________

A bad loan [] ______________________

My stockbroker [] ______________________

The stock market [] ______________________

Other: [] ______________________



Why did YOU allow that person to give you money problems? Your "bad loan" was a loan YOU took out or YOU issued to another person. Right? Your spouse's overspending occurred because YOU agreed to let overspending go unchecked. Right? For any items above that you checked, be honest in completing the following:

My Money Problems
MY PART in This Was ...

Are the Fault of ...


My spouse [] ______________________

My parents [] ______________________

My children [] ______________________

My "bad luck" [] ______________________

Interest rates [] ______________________

My employer [] ______________________

The government [] ______________________

My bank [] ______________________

My financial adviser [] ______________________

My personality type [] ______________________

A bad loan [] ______________________

My stockbroker [] ______________________

The stock market [] ______________________

Other: [] ______________________


Why am I being so tough with you on this point? Two reasons:

Reason #1: Until you take responsibility for your money situation, you aren't going to do anything to CHANGE because you don't think you CAN do anything. You'll wait for the "other party" to take responsibility, or you'll wait for your luck, stockbroker, or personality to change!

Reason #2: The way you ALLOWED another person or entity to impact your financial situation very often gives good clues about what you need to "undo" as you seek to become financially fit.


Think for a moment about physical fitness. If you are blaming too much ice cream and Mexican food for your excess weight ... there are clues in your laying blame! You have a weakness when it comes to ice cream and Mexican food. The solution for your problem? Well, in part it's this: Don't bring ice cream home from the supermarket, and don't go out to eat at Mexican restaurants!

At the same time, own up to the fact that YOU are the one who turns your car into the ice cream parlor's parking lot, and YOU are the one who is quick to say, "Let's eat Mexican tonight." You aren't fat because there's a great ice cream store less than a half mile from your home or a Mexican restaurant just around the corner. You'd find a way to overeat or eat the wrong foods, even if all ice cream and all Mexican food disappeared from the planet tomorrow!

Ditto for your money problems. If you are blaming another person or situation for your money problems, you are in denial. The problems are YOURS. Own up to your responsibility in creating money problems for yourself, and then you can do something to turn those problems into solutions.


Exercise #4

The Person in Your Mirror

Check all the statements below that you believe apply to your financial situation:

This Applies to Me

[] 1. I don't know enough about how money works.

[] 2. I struggle with my bills because of my own poor choices.

[] 3. I am the number one person responsible for turning around my financial situation.

[] 4. I know what to do with money ... I just don't do it.

[] 5. I haven't ever REALLY taken responsibility for learning how money works.

[] 6. I have been lazy when it comes to disciplining myself about money.

[] 7. I am willing to take FULL responsibility for my current money situation.

[] 8. I am willing to make the changes necessary to enjoy success with my money.


If you checked any of the above, you need a financial makeover—and you know it. Congratulations! You have taken the first REALITY-CHECK step toward improving your handling of money.


Key Concept #3

Take a Short, Painful Walk into a Lifetime of Success

This Total Money Makeover Workbook is based on one very simple motto:

If you will live like no one else NOW ... LATER you can live like no one else.


Living like no one else NOW means living a sacrificial, highly focused, purpose-driven life when it comes to your money.

Living like no one else LATER means living without the worry, frustration, stress, or fear that comes from constantly being on the brink of financial disaster. It means living LATER with feelings of confidence, hope, and joy related to money.


What About You?

Are you willing to change YOU? Honestly?

There are countless millions of people who look in the mirror and believe they SHOULD become more fit. Many of these people will say, "Yes, I NEED to change. I'd LIKE to change." But when it comes right down to changing, they DON'T change. Why? The foremost reason is because they don't like change—period. They don't want to alter any aspect of their lives. They see change as difficult to impossible or, at the very least, uncomfortable.

I agree. Change always has an element of sacrifice to it. It always has an element of self-denial. Any change that truly results in growth or improvement has an element of pain associated with it.

So let me ask again: Are you willing to change YOU?


(Continues...)

Excerpted from The Total Money Makeover Workbook by Dave Ramsey. Copyright © 2003 Dave Ramsey. Excerpted by permission of Thomas Nelson.
All rights reserved. No part of this excerpt may be reproduced or reprinted without permission in writing from the publisher.
Excerpts are provided by Dial-A-Book Inc. solely for the personal use of visitors to this web site.

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Table of Contents

Contents

1. The Total Money Makeover Challenge, 1,
2. I'm Not That Out of Shape: DENIAL, 15,
3. Debt Is (Not) a Tool: DEBT MYTHS, 39,
4. The (Non)Secrets of the Rich: MONEY MYTHS, 69,
5. Ignorance and Keeping Up with the Joneses: TWO MORE HURDLES, 97,
6. Walk Before You Run: SAVE $1,000 FAST, 109,
7. Lose Weight Fast, Really: THE DEBT SNOWBALL, 145,
8. Kick Murphy Out: FINISH THE EMERGENCY FUND, 167,
9. Be Financially Healthy for Life: MAXIMIZE RETIREMENT INVESTING, 175,
10. Make Sure the Kids Are Fit Too: COLLEGE FUNDING, 195,
11. Be Ultrafit: PAY OFF THE HOME MORTGAGE, 207,
12. Arnold Schwarzedollar, Mr. Universe of Money: BUILD WEALTH LIKE CRAZY, 221,
13. Live Like No One Else: REACH THE PINNACLE POINT, 237,

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See All Sort by: Showing 1 – 20 of 173 Customer Reviews
  • Posted January 10, 2011

    I Also Recommend:

    Straightforward and Practical. Best book purchase I have ever made.

    I would recommend this book to everyone. Dave Ramsey is straightforward and doesn't sugar coat anything. This book is what we all should have already learned about money that was never taught to us in schools or by family and friends. I am not a fan of self help books, and I generally roll my eyes when they are recommended, but this book is worth buying and keeping. This author is battling against debt, spending what we don't have, and the entitlement idea we have about what we are owed by life.

    This is not about theories or magical plans or get rich quick schemes; this is about the way you should handle money so it doesn't rule and ruin your life. If you don't want to face your mistakes or learn to tell yourself 'no' to frivolous purchases, you will not like hearing what this man has to say. If you are unwilling to face the actions you have made that have driven you into debt, you will be unable to hear what he has to teach.

    He does not tout specific strategies for every situation. Instead, he teaches you to look at money in a more practical way. Money is a tool, and we all need to learn to use it wisely. It takes work to correct financial mistakes, and he shows you the steps that you will need to do that. Short of identity theft, personal tragedy, and huge medical bills, the debt we carry is our own doing, and he teaches us how to stop spending ourselves into the ground and how to reach for and gain financial stability.

    High praise, but this is the best book purchase I have ever made. I owe this author a debt of gratitude for challenging the way I think and teaching me that I was being irresponsible in my spending.

    I would suggest reading 'The Overspent American: Why we Buy what we don't need' as a companion to this book for the greatest impact.

    11 out of 11 people found this review helpful.

    Was this review helpful? Yes  No   Report this review
  • Anonymous

    Posted March 16, 2009

    I Also Recommend:

    Makes very hard work simplified!

    Dave Ramsey doesn't elude to any get rich schemes. His advise relates to hard work -VERY HARD WORK! It's simple common sense, but breaks it down into baby steps so you can succeed! Not to be dramatic, but this book has changed our lives for the better!

    5 out of 5 people found this review helpful.

    Was this review helpful? Yes  No   Report this review
  • Posted June 22, 2009

    Excellent!

    This plan is easy to understand and very practical. Dave Ramsey is very down to earth and gives you a plan that is simple to use everyday. I look forward to being debt free in a very short time with his help.

    3 out of 3 people found this review helpful.

    Was this review helpful? Yes  No   Report this review
  • Posted December 30, 2010

    Great Book, Definitely a must read!!

    I first read the hard copy of this book a few years ago. Now that I'm in Afghanistan working the Debt Snowball, I wanted to reread it but didn't want extra books laying around so I bought a second copy, this time for my Nook.
    If you're interested in making vast improvements in your personal or business financial health, this book is a GREAT guide on how to do that and even explains myths and why they're wrong or right. Dave Ramsey really breaks it down in an easy to read and understand and it even has a workbook that comes extra that helps you actually execute the plan. I'll be estatic to have the chance to reread it anywhere life takes me.

    2 out of 3 people found this review helpful.

    Was this review helpful? Yes  No   Report this review
  • Posted October 25, 2008

    more from this reviewer

    Debt is Dumb

    common sense advice and information for getting out of debt and staying out of dept.

    2 out of 2 people found this review helpful.

    Was this review helpful? Yes  No   Report this review
  • Anonymous

    Posted September 13, 2013

    i

    is it really worth it? put yes or no ether one.

    1 out of 5 people found this review helpful.

    Was this review helpful? Yes  No   Report this review
  • Anonymous

    Posted September 28, 2012

    Great Read, Highly Recommended!

    My boyfriend (who is not much of a reader) had been telling me about this book for months. I finally read it and was not disappointed. The book is extremely motivating and offers great tips for how to manage your money. Although it seems the target reader is someone who is trying to get out of debt, I think everyone should read this. Its a very fast read; I managed to read the whole book in a day and plan to read it again so I can drill his money managing methods into my brain. I'm officially a Dave Ramsey fan.

    1 out of 1 people found this review helpful.

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  • Posted June 23, 2010

    more from this reviewer

    Very Informative

    This book helps you learn to look at your money with your brain instead of your emotions. Also, I like his references to the bible.

    1 out of 1 people found this review helpful.

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  • Anonymous

    Posted May 17, 2010

    Follow the book and you can change your financial future

    I've seen this book so many times, but looked at it as another self help book to make the writer money. I finally got the book on sale and gave it a chance. The book is a great read with a lot of interesting facts along the way to keep you entertained as well. I thought I was doing well, but truthfully never really looked at the money and this book helped me do that. The advice is simple and no nonsense and very easy to follow. The book gives clear direction and advice on how to create a budget, pay off debt, and save for the future. The book is also fun to read, with funny tidbits and myths along the way.

    1 out of 2 people found this review helpful.

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  • Posted January 9, 2010

    Life changing.

    Not a get rich quick scheme. If that's what you're after, take a pass on this one. That being said, this book changed our lives (wife & I). We are closer to each other, closer to God and moving towards a completely debt free lifestyle. We hope to pass on all of these valuable lessons to our kids. This book gives very practical and actionable steps on how to clean up your debt mess. It also teaches you to THINK and ACT rather than just following the crowd, keeping up with the Jones', or falling into "victim thinking". Thank you Dave Ramsey!

    1 out of 2 people found this review helpful.

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  • Anonymous

    Posted May 20, 2006

    A must read

    I heard Dave Ramsey once and I'm hooked. Excellent advice and what I thought about carrying debt is total wrong. About to get into his Financial Peace University so I too can live without debt.

    1 out of 1 people found this review helpful.

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  • Anonymous

    Posted July 3, 2014

    i personally found this useless and wish i could get a refund as

    i personally found this useless and wish i could get a refund as i did not finish it. As a bookkeeper this is nothing short of basic accounting math. and repeating the same thing over and over again and again. i was so annoyed i stopped reading it or skimming it should i say. i liked larry winget you're broke b/c you want to be so much better. 

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  • Posted January 31, 2014

    Very helpful

    This is a very helpful book, Use it with the Total money makeover book. Dave Ramsey financial books is the best in the business.

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  • Anonymous

    Posted September 14, 2012

    highly recommended

    You can not go wrong with Dave Ramsey products. He is a financial genius! I give him thanks for helping my husband and I get smart with our money. Must check this out and all of his other products, esp the total money makeover dvds!

    Was this review helpful? Yes  No   Report this review
  • Anonymous

    Posted May 28, 2012

    Recommend

    Easy to follow and understand.

    Was this review helpful? Yes  No   Report this review
  • Anonymous

    Posted December 28, 2010

    Inspired!

    This book has really inspired me! Another book that was recommended to me when purchasing this book was "Life After Foreclosure" by Dean Wegner and I feel both books really helped me out in becoming Financially Successful!

    Was this review helpful? Yes  No   Report this review
  • Anonymous

    Posted August 4, 2011

    No text was provided for this review.

  • Anonymous

    Posted January 31, 2012

    No text was provided for this review.

  • Anonymous

    Posted December 8, 2011

    No text was provided for this review.

  • Anonymous

    Posted July 9, 2011

    No text was provided for this review.

See All Sort by: Showing 1 – 20 of 173 Customer Reviews

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