Several years ago and newly married, my husband and I were floundering with where to start (or even define) our financial goals. We both had profoundly different views and could never come to any sort of decision on anything without a heated argument and tears (mostly mine).
A friend of mine let me borrow her copy of Dave Ramsey’s Total Money Makeover. I devoured it and then made my husband read it. It shocked me how basic the ideas were. What shocked me even more was that we hadn’t been able to put together these ideas ourselves. Dave Ramsey took the emotions out of the budget, which was something my husband and I couldn’t do.
If you are just getting started on your budgeting journey, I recommend this book to absolutely everyone. Some may argue that his ideas are too simple and too basic, but they work. They might not be fancy and they are most definitely hard work, but his ideas play on our basic nature as humans. He understands the weaknesses that the majority of us have with money and plows right through them.
You could borrow from a friend first to see what you think or possibly borrow from the library, but this is one of the few books I recommend having your own copy of. I have read and reread the book so many times, it’s looking pretty haggard. I read it every year, just to make sure we are on the straight and narrow or get inspired to kick things up a notch.
Please share with us if you have read this book and are following his plan. We’d love to hear your tips, tricks and success stories!
To read more about our financial journey, check out my 2012 Budgeting Series.
If you are interested in starting Dave Ramsey and his cash envelope system, I am giving away a fabulous set of custom envelopes from Kelleigh Ratzlaff Designs!