Every adult living in America should read The Total Money Makeover, a proven plan for financial fitness by Dave Ramsey (Nelson Books).
Ramsey, the nationally syndicated host of “The Dave Ramsey Show” and a number one New York Times best-selling author, is a finance expert and understands the traps and myths of the elusive American dream. Ramsey’s approach to financial freedom is pragmatic and hard-core. It guarantees results and offers hope.
Ramsey’s money makeover plan includes:
*Pay off debts as soon as possible. (The only acceptable longer-term debt in a house mortgage, but even that should be paid off in a timely manner).
*Don’t use credit cards.
*Budget.
*Have $ 1,000 liquid cash emergency fund.
*Have a larger fund for crisis.
*Categorize financial commitments and distinguish between the necessary and not-so-necessary.
*Have insurance – in several areas.
*Sacrifice,
*Give
*…much more.
The Total Money Makeover debunks many false concepts about finances. His basic no-nonsense approach to finances is a template designed to help you live within your means and to thereby live with peace.
If ever it was time for such a book as The Total Money Makeover, a proven plan for financial fitness – if ever Americans needed help with getting their finances in order – that time is now. Get a copy or buy it as a gift.
Dave Ramsey is no stranger to San Diego. His Financial Peace University classes are offered in many San Diego churches including North Coast Church.
A similar version of this story will appear in Assist News Service.
Janey DeMeo M.A.
Copyright © July 2013
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