Dave Ramsey – The Total Money Makeover Unabridged
I�ve been meaning to expand on all of the points I made in that post (including going Gluten-Free), so for today I�m going to start with our Total Money Makeover experience: where we were, where we are now, and where we are headed in the future.
(If you are reading this post anywhere other then it is stolen content. Pardon this interruption but a blog has been stealing my posts, so I have to put this memo imbedded into my post.)
Before we began the Dave Ramsey program we were giving the impression that we were doing well, but in reality we were drowning in over $35,000 in credit card debt and had a total of about $55,000 in car debt (two cars with loans of approximately $15,000 and $40,000). We paid off our student loan debts several years earlier. When we sat down and added up all our credit cards and car debts, I�m pretty sure I might have cried. I didn�t realize it was that bad.
Something had to give. We just couldn�t go on like this anymore. We were putting everything towards the credit cards each month, but because we continued to use them and because we felt like we made enough money to warrant not following any type of budget at all, no matter how much we sent to the cards, the balances continued to grow.
Size: 202.61 MiB