I'M DEBT FREE - Dave Ramsey

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SavannahSixManFan

11-man fan
I jest realized I fergot to share with ya'll.

Reading Total Money Makeover by Dave Ramsey in 2006 - $24.99.
Taking a 10-week Crown Financial Ministries class in Spring 2008 - $50.00.
"Discovering" how much unsecured "stupid debt" I had in Feburary 2008 - $57,000.
Taking a 13-week Dave Ramsey Financial Peace University class in Fall 2009 - $100.00.
Going DEBT FREE on June 24, 2011@ 10:57 am. P R I C E L E S S !!!

THANK YOU DAVE RAMSEY...!!!
 
Congrats! I've heard good things about him. I've got way too much in student loans. As God is my witness my kids will never ever have to take out student loans.
 
I never understood why college tuition is so much in the US? Supporting athletics? Tuition here in Canada at our "Harvard" is $6,000US. Pretty much the same Ivy League quality as all the professors come from Ivy schools or Cambridge/Oxford.

Any explanation?
 
We teach Dave Ramsey in lieu of Economics. Way more practical for the kids. I love it, too. I'd advise everyone to get the student version of it and teach their kids.
 
Daves primary book "The Total Money Makeover" is on sale on his website right now. Normally $24.99 now $14.99.

http://www.daveramsey.com/store/index.ep

Git it, hit it and brag about it later...
 
My daughter will be getting married soon, I just bought her three wedding gifts from Daves Website...

1) The Total Money Makeover
2) The Total Money Makeover Workbook
3) The Total Money Makeover Journal

They were on sale recently for $10 each. So I spent $30 on a PRICELESS gift for her and her new husband to be. I will insert a gift card in the first book and see how long it takes her and her husband to read the book and find out that reading it is "worth it"...lol
 
I've done both. All semester and partial semester. The whole semester works better as you can find things in the Dave Ramsey library to fill in the last few days. Their's also a "going to college" bonus thing you can buy online that would be good for those seniors. They all like the program...especially the part that talked about them saving a million dollars by the time they retire.
 
Congratulations!

I too am debt free except for my house mortgage (the monthly payment of which is much lower than what I would be paying if I rented). I did it using the inspiration and suggestions of two message boards on The Motley Fool investment web site. The two boards were "LBYM" (Living Below Your Means) and "Help With CC Debt".

I never read the Dave Ramsey books although if he's written something at the junior high/high school level I would be interested getting it (rather, checking it out of the library) for my children.
 
What I find most amazing is he gets paid for what is good old common sense, or maybe common cents :)

But for most people the fact that the first step in getting out of debt is to quit going into it is somehow beyond their ability to comprehend.
 
Fajitapete you are so right, Dave just reminds you of all the stuff yer grannie tried to tell you:
Do you need it or just want it?
Can you wait and buy it used.
Wait till next week and see if you still want it.
Wait 6 months and it will be on sale for half price.
 
fajitapete wrote:
> What I find most amazing is he gets paid for what is good old common sense,
> or maybe common cents :)
>
> But for most people the fact that the first step in getting out of debt is
> to quit going into it is somehow beyond their ability to comprehend.
Pete, you sure said a mouthfull there. That's a pretty good definition of where our country is now. Wouldn't it be great if our government leaders were required to have common sense.
 
I try to turn all of my younger clients on to a copy of Ramsey's "Total Money Makeover" as soon as they jump out on their own. I used to loan my copy out, but someone forgot to bring it back to me.
 
rainjacktx":1ggdsv54 said:
I try to turn all of my younger clients on to a copy of Ramsey's "Total Money Makeover" as soon as they jump out on their own. I used to loan my copy out, but someone forgot to bring it back to me.
Click to expand...
Well, that's one way to stay debt free; Steal.
 
smokeyjoe53":3r2zi39g said:
rainjacktx":3r2zi39g said:
I try to turn all of my younger clients on to a copy of Ramsey's "Total Money Makeover" as soon as they jump out on their own. I used to loan my copy out, but someone forgot to bring it back to me.
Click to expand...
Well, that's one way to stay debt free; Steal.
Click to expand...

or don't buy what you can't afford
 
I learned a long time ago Doing business with the public, customers between the ages of 25 and 35 two or more kids 150k to 200k house, two new vehicles, new boat, new Harley, will account for 90 percent of returned checks for a product or service provided, the older rough around the edges gentlemen livin in the bad part of town, that was the middle class area 25 years ago, spends more than his car is worth every time he buys new tires, if he doesn't pay cash the check is good as gold, and is ur most loyal repeat customer and easiest to please. Ten years ago seeing all the flashy items one had, I wouldnt think twice about taking a check, and would either refuse or go strait to the older mans bank to verify the funds. After a few years of experience im the exact opposite now. It's very sad to me that Americas obsession with keeping up with the Jones's, people are content to work 40, 50, 60 hours a week make 6 digit incomes and give every dime to a credit card company, finance company, mortgage lender, home equity lender, and the last couple hundred left over are taken by insufficient funds charges by their bank. And millions upon millions of Americans think they are living the American dream. And realistically with or with out Dave Ramsey a majority of these people will end up debt free!! They will be relieved of their credit rating for a few years but will be debt free none the less.
 
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