PDF Ebook Dave Ramsey's Complete Guide To Money, by Dave Ramsey
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Dave Ramsey's Complete Guide To Money, by Dave Ramsey
PDF Ebook Dave Ramsey's Complete Guide To Money, by Dave Ramsey
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Product details
Hardcover: 331 pages
Publisher: Ramsey Press; 1 edition (2012)
Language: English
ISBN-10: 1937077209
ISBN-13: 978-1937077204
Product Dimensions:
6.3 x 1.2 x 9.2 inches
Shipping Weight: 1.4 pounds (View shipping rates and policies)
Average Customer Review:
4.8 out of 5 stars
682 customer reviews
Amazon Best Sellers Rank:
#1,333 in Books (See Top 100 in Books)
I'm 19 years old and I don't think I could have selected a better time to buy this book. I currently work my tail off as a plumber while paying for community college. I have a new motorcycle and a newish truck and I really wanted to know where my money was going, how to invest properly, and save for retirement and with the help of this book, I plan to turn my last 3 generations of family poverty around.
I now know the difference between an IRA and a 401k. A regular 401k and a Roth 401k.. The best way to save for my daughter's college. I also understand that financial security is having the discipline in MY BEHAVIOR to create and stick to a budget. The stories he tells, the testimony from people who've learned and the chunks of financial knowledge he packs in every page makes this a fun and exciting read. With every chapter you feel more empowered to take control of your money. It will literally challenge just about everything you've been taught about money. The just: Don't use credit, budget down to the last cent with a plan to reduce and eliminate debt, if you use credit as often as the people around you.. If you neglect to create a budget, you'll be broke. Start by understanding where your money's going, Dave says do an audit of yourself, DON'T GUESS.Where I started was I went online and pulled up the statements on all my bank and credit cards and literally went line by line, writing down every transaction, trying to remember exactly how and why I spent the money (most of the time they'll have the vendor on there so you'll know, but trips to the ATM are harder to figure out). I then categorized everything, you know: money spent on eating out, money spent on transportation, miscellaneous, etc. I then wrote down my bills. That gave me an accurate picture of how I had spent my money the last 30 days. Then I compared that to how I would have spent the money had I budgeted to give myself as much money as possible at the end of the month while still doing the things I liked to do. Try to be as realistic as possible. Dave says it'll probably take you 3 months/tries to get good. After this you do what's called the envelope method which is you place money in specific categories based off your budget and your audit. You cash out the money, simply because physical cash is less likely to be spent than "virtual cash". Each envelope represents and has written on it, a specific category such as "Food for the house", "going out", "books", "starbucks".. Whatever. Place physical money in each envelope and take from it daily as needed. When the money's gone that's it. You either stop spending or you continue spending but now with the realization that you have broken your budget, when and where it was broken, and the audit you do next month will show you just how much money was wasted as a result. With this simple strategy along and in depth yet quick and easy analysis of various investment principles and options complete with dollar amount figures of what you should expect if particular dollar amounts are invested now, Dave essentially gives you the map to financial independence.Ps. When you do your audit whether it's the last 30 days or you do it in real time which Dave suggests, disciplining yourself to record every transaction as it occurs, you should prepare to be APPALLED as I was and as Ramsay says just about everyone is. What most chronically broke people realize as I did is that you're not ACTUALLY broke, you're simply pissing away hundreds of dollars a month on various vices and musings. Simply unaware, not caring enough about how you're spending your money. You already know this but the audit and budget will help you care more. You know when you pull into Mcdonalds and you're thinking "it's only six dollars" or ten dollars but that other voice is in your head like "6 dollars adds up".. After your audit you'll see you ACTUALLY spend about 175 dollars a month on fast food. Now when you're tempted to hit a fast food spot, you're thinking 175 a month, a grand plus over a six month period. You will care more, I found out I was spending around 350-400 on carry out and coffee a month. So yea, these are effective strategies.. I gave it 4 out if 5 cuz im a cynic. !! : ]>
This book, is much needed just as the total money makeover was needed. TMM gives you the outline and guidelines to get started being financially free. This book takes each baby step and gives you step by step instructions on what to do in each baby step and why you should do it. My only regret is that I didn’t start this sooner
I just finished reading this book for the second time. I had heard of Dave Ramsey and had heard good things about his material so I picked this up a while back when looking for books on finances to recommend to my daughter and her fiance. I thought it was one of the best "basics" books out there, so I purchased it for them as a starting point for educating themselves as they begin their married lives. Recently, a good friend of mine lost her husband and he had handled the money. She is incredibly bright but hasn't had a lot of experience in managing finances, so I sat down and read this through a second time to see if I thought this applied to her as well - and it did. I bought another copy as a gift to her.I actually put together a 3-book set for her, with this being the second book I recommended she read. The first one is The One-Page Financial Plan: A Simple Way to Be Smart About Your Money by Carl Richards which I like since it starts at the beginning with deciding how you want to live and the financial goals necessary to support that decision. This Dave Ramsey book dovetails nicely onto that one with more of the nuts and bolts of how to manage money. The third book I purchased is 20 Retirement Decisions You Need to Make Right Now by Ray LeVitre which I think excellent but is best utilized after you have already acquired some financial knowledge.For young adults just starting out, there is great wisdom contained in these pages which will allow the reader to avoid the pitfalls so many folks make. For people needing an overall correction after finding themselves in a place they don't want to be financially, this is also an excellent resource. From emphasizing the need for a cash emergency fund, to dumping debt, to learning how to determine where your money goes each month, he then moves onward to how to invest your savings as well as planning for the future - college funding, home purchase, etc. He also debunks some of the "conventional wisdom" myths that exist and talks plainly about things that can trip you up and send you down the wrong financial path.Mr. Ramsey states the cold, hard truth about facing facts regarding your financial life but does it in such a way as to be encouraging and supportive. He shares his own mistakes which allows the reader to understand that everyone has decisions in the past that weren't the best, but we can all do better moving forward - assuming we are willing to do what is necessary.Bottom line: An excellent book that I highly recommend for anyone interested in better understanding and taking positive action regarding their financial situation. For people who are already in decent shape, it still is very reinforcing since doing things this way can feel "out of step" and a bit odd when compared to what everyone else is doing. He validates the decision to not keep up the the Joneses and to make decisions that are good for you, regardless of what anyone else thinks.
I wrote the review for this book on the total money make over book. I am an idiot. Excellent book thus far! Have been learning a fair bit and highly recommend it. I am almost 60 pages in and this is my first night reading it. Couples who struggle with budgeting together, get this book, singles who do a lot of impulse type building buy this book. Great great book
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