Keith and I started Dave Ramsey's Total Money Makeover in October 2006. We took the Financial Peace classes at our Church which is a course designed by Dave. It has been phenomenal! Normally, I find financial classes and books to be boring or hard to understand. Dave lays it out in a humorous and easy to read fashion. I started by reading the Total Money Makeover. Keith read it first and was all fired up. He gave me the book and I set it aside. He asked me a couple times if I had read it and I hadn't. One day when I had some extra time I opened it up, I figured I had to read at least one chapter to get him off my back. I couldn't put the book down and finished it the same day.
We have been following Dave's babysteps and let me tell you, IT WORKS! Since October 2006 we have paid off both our vehicles and our credit cards totalling $63,000! We have less than $6,000 to pay off and will do that by the end of this month, as long as both my closings happen. We will be debt free except for our mortgage.
I can't believe it! A couple years ago I was looking at our dismal financial situation and wondering if we would ever be able to climb out of debt. Keith was laid off after 9-11 and for 7 months we basically lived off of credit cards. But I am happy to say we changed that situation and are trying to teach our kids how to be responsible with money. It is awesome to see your 10 year old walk into a store to buy something only to leave the store empty handed because they chose not to buy the spur of the moment item but to save up their money for something special. It is also cool to see them tithing at Church or giving to the needy.
If we can help our kids avoid making bad financial decisions that we did they will have a better head start on life.
It really does work folks, I have the book if your interested. It is easy to do and just takes some will power and a desire to be DEBT FREE!
P.S. No, I am not being paid by Dave Ramsey to promote his book! :)
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