From the nightmare and emotional pain, however, was born an idea-the idea of counseling the average consumer through debt problems. Once I can start saving again and start looking into the advice in here that I didn't already have such insight with (mortgages, retirement plans, money markets, and such) then I will appreciate the book even more.

All this pomp and circumstance, combined with the fact that my "deals" always worked and enamored the bankers, and they loved to lend me money. Having lived through that trepidation, having sat with countless others while they lived through the same horrors of financial stress, and having watched more than 10,000 foreclosures come across my desk in ten years, I have had enough! His advice is invaluable. If he did, they probably would turn me down.

I am not someone that loves a budget or loves to make one, but I am a huge fan now after seeing how quickly we can make our money work for us, just by having a place for every dollar we bring home! My in-laws enrolled in Dave Ramsey's Financial Peace University and received the audio portion of the course on CD, which they let us borrow. I had such an empty feeling. Please try again. I’ve written about his 7 Baby Steps plan for getting out of debt, as well as his 9 week financial class called Financial Peace University. I'd like to see help for people in that situation. It had not always been that way. The base of knowledge from that experience and my personal pain are the source for this material. Good for teenagers to learn at a young age too. Dave Ramsey, the nationally-syndicated radio host of "The Money Game" and bestselling author, has helped thousands through Financial Peace University-a 12-week financial planning program. Also, if you’re just not from a privileged background, being in debt in America is likely a result of high costing healthcare and education, not necessarily bad consumerism. Javascript is not enabled in your browser.

: 47 Ways to Make Your Organization Exceptional, Preludes to the Icelandic Financial Crisis, Risk Tolerance in Financial Decision Making. Please try your search again later. The audio CD's were great! But it's not very often, and not a big deal. We did this as a class with other people which was so neat because other people had ideas that were great! We had every type of personal line of credit, business lines of credit, and equity lines of credit-and let's not forget those wonderful gold and platinum cards. I was very good at it and made money quickly. The Beginning . . Published I have taken a $20,000 draw on a line of credit in a cashier's check, walked out of that bank, and into another. Along with my knack for obtaining bargains, I had another talent. Most of our borrowing was in short-term notes because we resold most of our property for profit. If you follow these guidelines, you will do wonderfully well. As one of those guilty people who never wrote down a budget before this book, I agree whole-heartedly that you can always spend what you make. We did this as a class with other people which was so neat because other people had ideas that were great! I realized that Dave and I needed more than just money. Great product. After viewing product detail pages, look here to find an easy way to navigate back to pages you are interested in.

My wife and I did all the exotic vacations, drove the top-name autos, and wore only expensive, custom-tailored suits. It is not particularly useful by itself. Meh, most of the facts can be found in more detailed resources without condescending remarks or religious agendas being pushed. It's everything you need to know about finances, budgeting, getting out of debt, getting a bargain, saving for retirement and college, insurances, and (my favorite) where and how to find a bargain! This is a series that was in front of a live audience, so it is hard to understand when the audience participates.

Even if you get a raise, somehow even then you don't have money lying around. Let us know what’s wrong with this preview of. I am now debt free and working on living within a budget. Get a $10 Gift Card With Every $100 B&N Gift Card Purchase, 50% Off Ty Frozen 2 - Olaf B&N Exclusive 13" Plush, Knock Knock Gifts, Books & Office Supplies, Learn how to enable JavaScript on your browser, Future Babble: Why Pundits Are Hedgehogs and Foxes, Inventing the Rest of Our Lives: Women in, The Money Answer Book: Quick Answers to Everyday, Outstanding! Reviewed in the United States on October 7, 2011. Perhaps the book isn't as good as the video series done by Dave Ramsey but it still holds truth within its pages and like all truely great books it challenges your brain and makes you think. Is there an updated version of this book? Refresh and try again.

Childcare or gas to get to school. I have seen this valley we were in turn into an opportunity to share with others about the financial burden we had gotten ourselves into. I am now sharing his audio CD's with my grown children and their families.

Our largest lender was sold to a larger bank. He gives good advice no matter what stage of life/lifestyle you have so the contents are easily applicable to anyone. Disc 5: Dumping Debt Part II We had to declare bankruptcy.

Instead, our system considers things like how recent a review is and if the reviewer bought the item on Amazon. There were times I had to be there for Dave just as he was for me. This brought hubby and I so much closer and on the same page with gazelle intensity with one single goal to become and to live 100% debt free!!!

It is life changing. This brought hubby and I so much closer and on the same page with gazelle intensity with one single goal to become and to live 100% debt free!!! Click or Press Enter to view the items in your shopping bag or Press Tab to interact with the Shopping bag tooltip. An award-winning journalist uses landmark research to debunk the whole expert prediction industry, and explores ... An award-winning journalist uses landmark research to debunk the whole expert prediction industry, and explores If you want to break that generational curse and have something to show for your hard work and leave it to your kids, READ AND APPLY of this book. As one of those guilty people who never wrote down a budget before this book, I agree whole-heartedly that you can always spend what you make. Very helpful advise from a Christian perspective to getting my personal financial house in order. AWESOME SELLER, DEAL & CONTENT! I remember thinking of suicide, knowing I had a $1 million life insurance policy that would provide for my family better than I was doing. Dave Ramsey talks about his "baby steps" to eliminate debt and build wealth. We'd like to host this course at our church....but not so sure about putting cash in envelopes and balancing (or even using) checks anymore. I can budget money without the help from this book, but it sucks when it's the electric company that is "below the line" and the electric is getting shut off. Also, it lacks alternative debt mitigating methods that would be beneficial if the bad behavior was just fixed from the start I.e. With 2 Financial Peace University Preview CD-ROMs. We thought we were pretty financially savvy and conservative, but we learned so much by listening to these CDs. Your question might be answered by sellers, manufacturers, or customers who bought this product.

"Only in America could you drive a Jaguar and not have the money to put gas in it." Dontae and I have set a goal to be debt free by December 2012 and we want to buy our first house all in cash, never borrowing money again. The resulting advice is lacking if you’re not the target audience. January 1st 2004

If one of my business lines of credit ran low, I would put on my custom suit, get in my Jaguar, and head for the bank. What did I do to cause this mess? the psychology of our obsession with future history. Disc 4: Dumping Debt Part I I remember that sunny summer afternoon when Dave called and told me that nothing else could be done. Even though this is from 2007, it is still just as relevant today.

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