I also charge all my gas purchases, and make 5% cash back. For example, I paid my college tuition on my credit card and earned 1% cash back on thousands of dollars. I don't think I spend more money simply because I charge purchases rather than dropping cash or using my debit card. Although I agree that most people are better off avoiding credit cards because they can't resist the temptation to abuse them, I like to use cash-back and other rewards cards to pay for the things I'd be purchasing anyway. The only exception he allows for is a 15-year fixed-rate mortgage. I respect Dave Ramsey as a person and agree with many (maybe most) of his financial principles, but I didn't like Ramsey's strict no-debt stance. I skipped all of these since I'm looking for practical financial advice, not feel-good stories. Ramsey presents some sound financial principles in the book, but it came across as a sales pitch because he mentions his other books and live events, and practically every other page contains a lengthy testimonial from people gushing about their Total Money Makeover. Secure a big, fat nest egg for emergencies and retirement! Recognize the 10 most dangerous money myths (these will kill you) With " The Total Money Makeover: Classic Edition," you'll be able to:ĭesign a sure-fire plan for paying off all debt-meaning cars, houses, everything
And it's based on results, not pie-in-the-sky fantasies. 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. There's one sure way to whip your finances into shape, and that's with " The Total Money Makeover: Classic Edition".īy 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. 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.
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