Some stuff is a bit repetitive but I understand why they do it. It's to really drive the concept home and make sure people remember these principles. I really enjoyed this book, I had it for so long, I can't believe it took me forever to read it. Definitely started my Total Money Makeover and I've been telling friends and family about this book as well, especially when someone starts talking about using credit for things. I actually cringe now, anytime someone says they're going to use credit. Definitely worth the read, I can't recommend this book enough. EVERYONE should read it! ( )

Because its a four-step plan, I've read up to and including the step we are on. I'll continue when I'm finished the step.

Started the book January 9, 2009.

Solid advice for getting out of debt and living debt-free ( )

This is one of two books that literally changed my life! I would highly recommend that everyone read this book! We were in pretty bad shape financially and I was so tired of wondering how we were going to make ends meet. I got this book out of the library and started putting the plan into action. It took a few years of really hard work but we managed to get debt free. Now many years later we still are. The plan is really simple but it takes some hard work. There are lots of stories of real people scattered throughout the book which is nice. The only thing that I didn't like is that it's an American book, so some of the specific details don't apply to us (like different financial products). I love that all the worksheets are in the back of the book so you can start entering numbers right away.
This book was reviewed on The Literary Club Podcast https://www.buzzsprout.com/1984185/episodes/11834484 ( )

In the Total Money Makeover, Ramsey lays out a program for freeing yourself from debt and money worries by changing your behavior: paying with cash only, eliminating debt, saving for emergencies, and investing. The program is intended for everyone—from high earners to people thousands of dollars in debt.