The Total Money Makeover Workbook: Classic Edition: The Essential Companion for Applying the Book’s Principles by Dave Ramsey (PDF)

Description

Do you want to build a budget that actually works for you? Are you ready to transform your relationship with money? Based on Dave Ramsey’s New York Times best-selling book that has already helped millions of readers, this companion workbook will help you develop everyday money-saving and life-changing habits.Ready to apply everything you learned in The Total Money Makeover? This essential companion workbook–packed with self-assessments and lined sections dedicated to note-taking–will give you the tools and the encouragement you need to:Unpack the lies you’ve been told about financesPay off the debts that are weighing you downStart building your emergency fundBecome financially healthy for lifeWith inspiring real-life stories and thought-provoking questions for reflection, this workbook is the reset you’ve been searching for.

User’s Reviews

Editorial Reviews: About the Author Dave Ramsey is a #1 national bestselling author, personal finance expert, and host of The Dave Ramsey Show, heard by more than 16 million listeners each week. He’s authored seven national bestselling books including, The Total Money Makeover, EntreLeadership, and Smart Money Smart Kids. Since 1992 Dave has helped people regain control of their money, build wealth, and enhance their lives. He also serves as CEO for Ramsey Solutions.

Reviews from Amazon users which were colected at the time this book was published on the website:

⭐I bought one for each of our kids! Dave is a VERY Smart person and this will help anyone at any age!!! Learn to live a better worry free life!

⭐I love how Dave Ramsey wrote practical, doable steps to Financial Independence. This book enlightened me in so many ways.

⭐I did not like it being marked on.

⭐This book changed our lives and money habits for the better. We buy this book for everyone. 100%

⭐If you have the actual book you really don’t need the workbook. Good info but basically a review of the actual book.

⭐I wish I would’ve read this book before I started college. Shows you glaring truths about how you might be causing your own poverty with your bad spending habits. Or, maybe you just live in a blue state with crappy jobs. I was there once. Anyhow, this book will help you get out of debt & achieve your financial goals if you give it your best efforts! Everyone should read this book. Twice!

⭐I found many of the exercises in this workbook useful for further understanding personal financing. The chapter on retirement is particularly useful.I purchased the Kindle version of the book, but as I read through it, I wish I purchased the paper version instead to mark up and complete the exercises. Nevertheless, I just highlighted passages in the Kindle version and copied and pasted selected exercises in my digital journal so that I can review them later.While the Makeover workbook is must read for personal finance management, I disagree with Ramsey on the advice of paying with cash. As a three-year user of the YouNeedaBudget.com budget-to-zero method, I have disciplined myself to use my two credit cards like debit cards. Because I use the YNAB application to budget, I pay off my credit balances every month, sometimes a a few times a mouth, because I don’t allow my balances to go over 30% of my credit line, to maintain a credit score. By using the cards instead of cash, I can keep track of every dollar I spend, and I can effectively budget for all my monthly and future expenses. Plus I get reward points for using the cards.The Makeover Workbook is useful for thinking about money management (seriously avoid debt like a plague), but YNAB is the tool than can help you build a budgeting discipline. YNAB has helped me save thousands of dollars even though I have relatively limited freelance, contract income.

⭐Wow. I bought this book a decade ago at half-price books. 10 years or so later, I am debt-free, car payment free, mortgage free, with 2 years’ living expenses saved up in the bank. A lot of it was luck, but we all have luck. When we focus on a set goal we begin to spot luck that we would’ve missed.Along the pathway, we fixed our marriage and so much more because the only way to build a team is to accomplish something hard together. This book will take you step by step to that goal. It’s the only thing I’ve seen that works.My wife died earlier in the year but said she was at peace because we were doing fine financially, and so now it’s just me and the kids. I am lucky to have discovered Dave Ramsey when I did.And now at 49, I am a n the verge of retirement. I will work here and there but my goal is to relax and spend time with my son for a few years. I may write a book or do something different and self-directed but I am free now.

⭐It’s basically a book for people with little common sense about money — people who “keep up with the Joneses”, think credit cards are safety nets, impulse buy with loans, and don’t understand how assets are divided and paid for after divorces. The tone of the book starts off as “everything you know about money and your relationship to it is wrong” and as a way to open the book this works, however, it doesn’t let up throughout. It becomes increasingly condescending. This is most evident in the true/false quizzes where the answers are going to be “obviously” one or the other. Obvious to the person who doesn’t need this book, anyway.I bought it in an effort to develop my knowledge about how to better grow my money, since every month I break even and don’t save, and don’t have any exorbitant expenses or debts. If you’re in a similar position, try another title.

⭐Good principles but not suitable for those in the UK (everything is in $USA).

⭐One of the best books I have ever read. I have learnt so much from this book. I purchased audio. I enjoyed his tone of voice. Well explained. I was in the verge of buying a new car which was arrived in the country in a few weeks. On completion of reading the book I cancelled my order. I’m still driving my car which is only 4 years old and decided I’ll buy my next car brand new. I no longer need an accountant to go through my finances. I also bought “Financial peace.”. I highly recommend this book it will change your life.

⭐Would recommend this book for everyone, definitely would advise all young people to read

⭐I loved the total money makeover. Less all the stuff about weight loss. This is basically the exact same book with some updated statistics and a bunch of multiple choice Q&A built in that is quite donting. I regret buying it

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