This was originally posted on another blog of mine (Happy Homemaker Reviews).   I consolidated them to continue to simplify my life.   – Jen  (04.2012)


It’s only fitting that my first product review on this site is the book that changed my life —The Total Money Makeover by Dave Ramsey.   I am a total fan of his and it started with this simple little book.   Back in the day, I was a DINK (duel income, no kids).   We spent and spent and spent and spent but somehow never had money for anything good — we traveled about once a year and spent a good chunk of that, but we didn’t even have any expensive toys to show for it or any furniture, either, for that matter (both of which I would love to have now!).

Dave’s book, The Total Money Makeover, was a fabulous wake up call for me.   We had debt coming out of our ears and even though we made a good chunk of change, we still had student loans, credit cards and two car payments.  What made the most impact on me was Dave Ramsey’s Car Payment Video.   Go watch it.   Right now!  I’ll wait.




Isn’t that awesome?!?   We’ve never had a car payment since and we’ve bought three cars since then!    Anyway, in The Total Money Makeover, Dave tells you how to use your money the old fashioned way.  As he is fond of saying, the same advice your grandmother would give except we keep our teeth in :).   He tells you why debt is bad, how rich people get rich, what keeps you from getting ahead and then he goes through his baby steps to financial freedom.

His baby steps, for the uninitiated, are:

  1. Get a baby emergency fund of $1,000.
  2. Work your Debt Snowball.
  3. Make an emergency fund of 3-6 months expenses.
  4. Invest 15% of income in pre-tax retirement.
  5. Invest in your children’s college funds.
  6. Pay off house.
  7. Build wealth and give!

If you are sick and tired of being sick and tired or always wondering where your money went, Dave will kick start your financial future.   Interested, but not sure if this book is for you?   You can check Dave Ramsey out on the radio, or on the web (both live and archives).  You can also get it commercial free if you subscribe to My Total Money Makeover.

Go check it out today!

Disclaimer:  Dave Ramsey doesn’t know me from Adam and Dave Ramsey had nothing to do with this review of his ministry.  I just love it & wanted to share it with you all.

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