The Total Money Makeover: Classic Edition : A Proven Plan for Financial Fitness

Respected financial expert Dave Ramsey offers a comprehensive plan for getting out of debt and achieving financial health. Against a playful backdrop of fitness terminology, Dave gives solid, hard-hitting advice needed to make your goals a reality. Filled with both the "hope" and the "how-to," __The Total Money Makeover__ includes: - Useful worksheets and forms - Readable and informative charts and graphs - The four factors that keep people from getting in shape financially - Photos and amazing stories from people who have succeeded following __The Total Money Makeover__ plan __The Total Money Makeover__ is a necessity for everyone in need of a financial makeover. Readers will learn to live by the __The Total Money Makeover__ motto: "If you will live like no one else, later you can live like no one else."

the Success Stories Speak For Themselves In This Audio Book From Money Maestro Dave Ramsey. Instead Of Promising The Normal Dose Of Quick Fixes, Ramsey Offers A Bold, No-nonsense Approach To Money Matters, Providing Not Only The How-to But Also A Grounded And Uplifting Hope For Getting Out Of Debt And Achieving Total Financial Health.

ramsey Debunks The Many Myths Of Money (exposing The Dangers Of Cash Advance, Rent-to-own, Debt Consolidation) And Attacks The Illusions And Downright Deceptions Of The American Dream, Which Encourages Nothing But Overspending And Massive Amounts Of Debt. Don't Even Consider Keeping Up With The Joneses, Ramsey Declares In His Typically Candid Style. They're Broke!

the Total Money Makeover Isn't Theory. It Works Every Single Time. It Works Because It Is Simple. It Works Because It Gets To The Heart Of The Money Problems: You.

publishers Weekly

radio Talk-show Host And Bestselling Author Ramsay (financial Peace) Is Less A Financial Analyst And More Of A Preacher, Which Explains Both His Popularity And The Appeal Of This Book, Which Jsut Might Gain A Wide Audience. The Bedrock Of His System Is Simple: Work Hard, Pay What You Owe And Stay Out Of Debt. His Main Commandment Is Pay Cash. He First Exhorts The Reader To Take Baby Steps, Which Are Designed To Build On Each Other: First, Save $1,000 As An Emergency Fund; Then, Pay Off All Debts From Smallest To Largest; Save A Larger Three-to-six-month Emergency Fund; Finally, Start To Save For College And Pay Off Your Home Mortgage. Ramsay Understands The Difficulty In Putting These Steps Into Action, And Therefore Packs His Book With Personal Testimonials From Everyday People Who Have Used His System And Have Become Debt Free, With Obvious Struggles. The Key Is What Ramsay Calls Gazelle Intensity, Which Is To Live A Financial Life The Way A Gazelle Saves Itself From An Attacking Cheetah-outmaneuver The Enemy And Run For Your Life. While Ramsay Provides Some Helpful Charts And Graphs So Readers Can Keep Track Of Their Efforts To Follow His Steps, The Strength Of This Book Is That It Is A Straightforward Motivational Tool. He Provides The Brutally Direct Truth About The Hard Work It Takes To Become Free Of Debt, And His Directness Is A Great Part Of The Book's Charm. (sept.) Forecast: Nelson Plans An Aggressive-and Unusual-campaign: A Financial Makeover Contest, Promoted Through Ramsey's 31-city Author Tour And Broadcasts; The Winner Will Receive $55,000. Copyright 2003 Reed Business Information.

If you will live like no one else, later you can live like no one else. Build up your money muscles with America's favorite finance coach. Okay, folks, do you want to turn those fat and flabby expenses into a well-toned budget? Do you want to transform your sad and skinny little bank account into a bulked-up cash machine? Then get with the program, people. There's one sure way to whip your finances into shape, and that's with The Total Money Makeover: Classic Edition. By now, you've heard all the nutty get-rich-quick schemes, the fiscal diet fads that leave you with a lot of kooky ideas but not a penny in your pocket. Hey, if you're tired of the lies and sick of the false promises, then take a look at this -- it's the simplest, most straightforward game plan for completely making over your money habits. And it's based on results, not pie-in-the-sky fantasies. With The Total Money Makeover, you'll be able to: Design a surefire plan for paying off all debt -- cars, houses, everything; Recognize the 10 most dangerous money myths (these will kill you); Secure a big, fat nest egg for emergencies and retirement! Where Financial Peace gave you the solid saving and investing principles, this book puts those principles into practice. You'll be exercising your financial strength every day and quickly freeing yourself of worry, stress, and debt -- and that's a beautiful feeling. In the 10 years since it first released, millions of ordinary people have experienced their own Total Money Makeover. What are you waiting for? The Total Money Makeover: Classic Edition -- with timeless wisdom, fresh insights, and new back-of-the-book resources -- is the one financial workout that guarantees everything will work out. - Jacket. Do you want to build a budget that actually works for you? Are you ready to transform your relationship with money? This New York Times bestseller has already helped millions of people just like you learn how to develop everyday money-saving habits with the help of America's favorite personal finance expert, Dave Ramsey. By now, you've already heard all of the nutty get-rich-quick schemes and the fiscal diet fads that leave you with a lot of quirky ideas but not a penny in your pocket. If you're tired of the lies and sick of the false promises, Dave is here to provide practical, long-term help. The Total Money Makeover is the simplest, most straightforward game plan for completely changing your finances. And, best of all, these principles are based on results, not pie-in-the-sky fantasies. This is the financial reset you've been looking for. The Total Money Makeover: Classic Edition will give you the tools and the encouragement you need to: Design a sure-fire plan for paying off all debt—from your cars to your home and everything in between using the debt snowball method Break bad habits and make lasting changes when it comes to your relationship with money Recognize the 10 most dangerous money myths Secure a healthy nest egg for emergencies and set yourself up for retirement Become financially healthy for life Live like no one else, so later you can LIVE (and GIVE) like no one else! This edition of The Total Money Makeover includes new, expanded "Dave Rants" that tackle marriage conflict, college debt, and so much more. The Total Money Makeover: Classic Edition also includes brand new back-of-the-book resources to help you make The Total Money Makeover your new reality. Do you want to build a budget that actually works for you? Are you ready to transform your relationship with money? This New York Times bestseller has already helped millions of people learn how to develop everyday money-saving habits with the help of America's favorite finance coach, Dave Ramsey. By now, you've already heard all of the nutty get-rich-quick schemes and the fiscal diet fads that leave you with a lot of quirky ideas but not a penny in your pocket. If you're tired of the lies and sick of the false promises, Dave is here to provide practical, long-term help. The Total Money Makeover is the simplest, most straightforward game plan for completely changing your finances. And, best of all, these principles are based on results, not pie-in-the-sky fantasies. This is the financial reset you've been looking for. The Total Money Makeover: Classic Edition will give you the tools and the encouragement you need to: Design a sure-fire plan for paying off all debt--from your cars to your home and everything in between Break bad habits and make lasting changes when it comes to your relationship with money Recognize the 10 most dangerous money myths Secure a healthy nest egg for emergencies and set yourself up for retirement Become financially healthy for life This edition of The Total Money Makeover includes new, expanded "Dave Rants" that tackle marriage conflict, college debt, and so much more. Each copy of The Total Money Makeover: Classic Edition also includes brand new back-of-the-book resources to help you make Total Money Makeover your new reality. Dave condenses his 17 years of financial teaching and counseling into 7 organized, easy-to-follow steps that will lead you out of debt and into a Total Money Makeover. Plus, you'll read over 50 real-life stories from people just like you who have followed these principles and are now winning with their money. It is a plan designed for everyone, regardless of income or age. With The Total Money Makeover, you'll be able to: Design a sure-fire plan for paying off ALL debt; Recognize the 10 most dangerous money myths; Secure a big, fat nest egg for emergencies and retirement; Positively change your life and your family tree! - Publisher. Respected financial expert Dave Ramsey offers a comprehensive plan for getting out of debt and achieving financial health. Against a playful backdrop of fitness terminology, Dave gives solid, hard-hitting advice needed to make your goals a reality. Filled with both the "hope" and the "how-to," The Total Money Makeover includes: Useful worksheets and forms; Readable and informative charts and graphs; The four factors that keep people from getting in shape financially; Photos and amazing stories from people who have succeeded following The Total Money Makeover plan. The Total Money Makeover is a necessity for everyone in need of a financial makeover. Readers will learn to live by the The Total Money Makeover motto: "If you will live like no one else, later you can live like no one else." - Publisher. If you will live like no one else, later you can "live" like no one else. Build up your money muscles with America's favorite finance coach. Okay, folks, do you want to turn those fat and flabby expenses into a well-toned budget? Do you want to transform your sad and skinny little bank account into a bulked-up cash machine? Then get with the program, people. There's one sure way to whip your finances into shape, and that's with " The Total Money Makeover: Classic Edition ". By now, you've heard all the nutty get-rich-quick schemes, the fiscal diet fads that leave you with a lot of kooky ideas but not a penny in your pocket. Hey, if you're tired of the lies and sick of the false promises, take a look at this--it's the simplest, most straightforward game plan for completely making over your money habits. And it's based on results, not pie-in-the-sky fantasies. With " The Total Money Makeover: Classic Edition ," you'll be able to: Design a sure-fire plan for paying off all debt--meaning cars, houses, everything Recognize the 10 most dangerous money myths (these will kill you) Secure a big, fat nest egg for emergencies and retirement! * Introduction * What This Book Is NOT * Flying Turkeys and Skinny-Dipping * 1. The Total Money Makeover Challenge * 2. Denial ** I’m Not That Out of Shape * 3. Debt Myths ** Debt Is (Not) a Tool * 4. Money Myths ** The (Non)Secrets of the Rich * 5. Two More Hurdles ** Ignorance and Keeping Up with the Joneses * 6. Save $1,000 Fast ** Walk Before You Run * 7. The Debt Snowball ** Lose Weight Fast, Really * 8. Finish the Emergency Fund ** Kick Murphy Out * 9. Maximize Retirement Investing ** Be Financially Healthy for Life * 10. College Funding ** Make Sure the Kids Are Fit Too * 11. Pay Off the Home Mortgage ** Be Ultra-Fit * 12. Build Wealth Like Crazy ** Become the Mr. Universe of Money * 13. Live Like No One Else ** Meet the Winners of The Total Money Makeover Challenge * About the Author * Total Money Makeover Worksheets * Index Introduction What this book is NOT Flying turkeys and skinny dipping The total money makeover challenge Denial : I'm not that out of shape Debt myths : debt is (not) a tool Money myths : the (non)secrets of the rich Two more hurdles : ignorance and keeping up with the Joneses Save $1,000 fast : walk before you run The debt snowball : lose weight fast, really Finish the emergency fund : kick Murphy out Maximize retirement investing : be financially healthy for life College funding : make sure the kids are fit too Pay off the home mortgage : be ultra-fit Build wealth like crazy : become the Mr. Universe of money Live like no one else Meet the winners of the Total Money Makeover Challenge About the author Total Money Makeover worksheets "Ramsey offers a bold, no-nonsense approach to money matters, providing not only the how-to but also a grounded and uplifting hope for getting out of debt and achieving total financial health. Ramsey debunks the many myths of money (exposing the dangers of cash advance, rent-to-own, debt consolidation) and attacks the illusions and downright deceptions of the American dream, which encourages nothing but overspending and massive amounts of debt. "Don't even consider keeping up with the Joneses," Ramsey declares in his typically candid style. "They're broke!" This book isn't theory. It works every single time. It works because it is simple. It works because it gets to the heart of the money problems: you"--Publisher's description. "Ramsey offers a bold, no-nonsense approach to money matters, providing not only the how-to but also a grounded and uplifting hope for getting out of debt and achieving total financial health. Ramsey debunks the many myths of money (exposing the dangers of cash advance, rent-to-own, debt consolidation) and attacks the illusions and downright deceptions of the American dream, which encourages nothing but overspending and massive amounts of debt. "Don't even consider keeping up with the Joneses," Ramsey declares in his typically candid style. "They're broke!" This book isn't theory. It works every single time. It works because it is simple. It works because it gets to the heart of the money problems: you"-- Résumé de l'éditeur Introduction. What this book is not Meet the winners of the total money makeover challenge 1. The total money makeover challenge 2. Denial : I'm not that out of shape 3. Debt myths : debt is (not) a tool 4. Money myths : the (non)secrets of the rich 5. Two more hurdles : ignorance and keeping up with the Joneses 6. Save $1,000 fast : walk before you run 7. The debt snowball : lose weight fast, really 8. Finish the emergency fund : kick Murphy out 9. Maximize retirement investing : be financially healthy for life 10. College funding : make sure the kids are fit too 11. Pay off the home mortgage : be ultrafit 12. Build wealth like crazy : Arnold Schwarzedollar, Mr. Universe of Money 13. Live like no one else Budgeting forms Introduction: What this book is NOT Flying turkeys and skinny dipping The total money makeover challenge Denial: I'm not that out of shape Debt myths: debt is (not) a tool Money myths: the (non)secrets of the rich Two more hurdles: ignorance and keeping up with the Joneses Save $1,000 fast: walk before you run The debt snowball: lose weight fast, really Finish the emergency fund: kick Murphy out Maximize retirement investing: be financially healthy for life College funding: make sure the kids are fit too Pay off the home mortgage: be ultrafit Build wealth like crazy: Arnold Schwarzedollar, Mr. Universe of money Live like no one else Meet the winners of the Total Money Makeover Challenge Budgeting forms. A Strategy For Changing Attitudes About Personal Finances Covers Such Topics As Getting Out Of Debt, The Dangers Of Cash Advances And Keeping Spending Within Income Limits.