Hey y’all, Mrs. Crazy here.
You know, I’d categorize Phillip and me as frugal people. We try hard to save money with using coupons and budgeting.
In fact, the other day, a friend told me, “You guys are the wisest stewards of your money that I know.”
Even still, we’ve had to do a bit of belt-tightening in the last several weeks because of some loss of income (combined with increased medical expenses).
We turned to our budget to tighten things, but we just weren’t quite finding the money.
As it just so happens, I was writing a post on Seven Simple Steps to Financial Security using Dave Ramsey’s seven baby steps.
While writing that post, I was drawn to Dave’s book The Total Money Makeover. (I checked it out from the library – you know, because we’re frugal like that.)
Y’all, I thought we were frugal. We are sooooooooo far from frugal.
Reading this book has revolutionized the way I look at money. About every few minutes, I would stop and tell Phillip something else we were doing wrong.
As you can imagine, that didn’t go over very well.
In order to avoid an argument, I told him he needed to just read the book. After a few pages, it was his turn to tell me something we needed to change!
This book is more than just a list of things we need to change. It’s a motivating read that will inspire you to have your money work for you.
It makes us want to save money, pay off debt, and invest money with a drive that we’ve never felt before.
We are motivated to be more conscientious about
So as we’ve read this book, we want to share it with y’all as well! If you’re thinking that this book isn’t for you, think again.
Here are 10 reasons why you need a total money makeover:
1. You own a home and are paying mortgage with a 30 year loan
2. You have any other kind of debt: car payment, credit card balance, etc., rent-to-own items, etc.
3. You have children and want to help pay for the college expenses in the future
4. You plan on retiring in the future and want to invest money
5. You may have a car break down, a medical crisis, or any other kind of emergency come up that requires large amounts of money at one time
6. You are trying to live within a budget and feel you are just living paycheck to paycheck
7. Your income source has the potential to change; i/e: losing a job or becoming unable to work
8. You tend to compare what you have to your neighbors; you want to “keep up with the Joneses”
9. You want to be more financially secure so you can spend more time with family and loved ones
And the most important reason:
10. You want to have more money that you can use to help others who are in need.
If even one of the reasons on this list applies to you, then you need to read Dave’s book The Total Money Makeover. It will completely change how you view, spend, and save money.