The Total Money Makeover Journal

The Total Money Makeover Journal

by Dave Ramsey
     
 

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When Dave Ramsey was experiencing his own Total Money makeover, he found that journaling was very helpful and effective.

Dave says, "Take this journal and record everything happening that seems like a big deal. Record the relationship issues, the debt, the emotions, the setbacks, the victories, and anything else that seems important at the

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Overview

When Dave Ramsey was experiencing his own Total Money makeover, he found that journaling was very helpful and effective.

Dave says, "Take this journal and record everything happening that seems like a big deal. Record the relationship issues, the debt, the emotions, the setbacks, the victories, and anything else that seems important at the time.

"The immediate benefits of writing everything down are twofold. First, writing helps you process the problems and victories. The second immediate benefit of journaling is that you can reread your entry just days-even months-later and gain vital perspective on your progress.

"Write it down. You will be glad you did."

Product Details

ISBN-13:
9781418551919
Publisher:
Nelson, Thomas, Inc.
Publication date:
12/02/2007
Sold by:
THOMAS NELSON
Format:
NOOK Book
Pages:
192
Sales rank:
893,944
File size:
475 KB

Read an Excerpt

THE TOTAL MONEY MAKEOVER JOURNAL


By DAVE RAMSEY

Thomas Nelson

Copyright © 2007 DAVE RAMSEY
All right reserved.

ISBN: 978-1-40410-461-7


Foreword

Why Journal?

I want to talk you into doing something you normally wouldn't do. I want you to track your progress through your Total Money Makeover in writing. Journaling this process in detail will be a huge tool and great treasure for you if you make the effort. I know that writing everything down as you go means more work, but the payoff will be well worth it.

Take this journal and record everything happening that seems like a big deal. Record the relationship issues, the debt, the emotions, the setbacks, the victories, and anything else that seems important at the time. Just so you know: I am not a big journaling nerd. But I did this through my process of going broke and losing everything. While you are heading the other direction with your Total Money Makeover, you will likely get the same benefits I got by journaling.

The immediate benefits of writing everything down are twofold. First, writing helps you process the problems and victories. Have you ever had a problem and sat down with a friend for advice? We have all had the experience that by the time we finished describing the problem, we knew the answer. The reason that we answered our own question is that in order to verbalize the problem we converted our jumbled thoughts to concise ideas that clarified the situation. The same thing happens when you write out the "crisis of the day" or-hopefully more often than not-your latest victory. This new clarity will help you move faster through your Total Money Makeover.

The second immediate benefit of journaling is that you can reread your entry just days-even months-later and gain vital perspective on your progress. When we were going broke, I remember entering a very emotional, hopeless entry. It was right after we lost one of our apartment complexes to foreclosure. "Gloom, despair and agony on me...." It sounded like a Hee Haw song. My entry pretty much revealed how I knew life on the planet was over thanks to this particular foreclosure. Of course, it wasn't. The weird thing is that just a few weeks later, while still heading toward bankruptcy, I reread my entry and laughed. Rereading my hopeless entry didn't depress me; it gave me perspective. I realized that life on the planet hadn't ended, so maybe-just maybe-I was being a little melodramatic. This isn't to devalue the feelings I had in the middle of the crisis, but to highlight the fact that the next time I faced a "planet ending crisis" I was better prepared, emotionally and spiritually. Journaling helps you see the big picture during your Total Money Makeover.

But I think possibly the best reason to do this journal is that it makes a generational gift. I have a copy of my great great grandfather's memoirs. He fought in the Civil War, later founded a college, and even later became a preacher. The memoirs are full of challenges, humor, and wonderful stories. If you leave this book full of what you experience while having your Total Money Makeover to your great great grandchildren, you will have left a real treasure.

I believe that if you do with money what we teach, then you will literally be able to financially change your family tree. I think it would be very cool to leave this journal to document how you did it. So here is my challenge:

Write it down.

You will be glad you did.

-Dave Ramsey



Excerpted from THE TOTAL MONEY MAKEOVER JOURNAL by DAVE RAMSEY Copyright © 2007 by DAVE RAMSEY. Excerpted by permission.
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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Meet the Author

Dave Ramsey is America’s trusted voice on money and business. His five New York Times bestselling books—Financial Peace, More Than Enough, The Total Money Makeover, EntreLeadership, and Smart Money Smart Kids—have sold more than 7 million copies combined. The Dave Ramsey Show is heard by more than 8 million listeners each week on more than 500 radio stations and iHeartRadio.

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