The Total Money Makeover: A Proven Plan for Financial Fitness Hardcover – 1 Dec. 2009

I love the total money makeover. I have read it several times from cover to cover and even have it on my Kindle. Following Dave Ramsey's simple 7 step plan and listening to his wise advise I built up an emergency fund, got myself out of credit card debt and now I pay cash or use my debit card for everything. This book has genuinely saved me thousands of pounds that would have otherwise been wasted on paying credit card interest. The real life accounts from other people he has helped which feature in the book bring the whole thing to life.

This book really has changed my life. Before reading Dave's book I had never made a budget before and always just spent on what I wanted not what I needed. After reading this book I set a budget stuck to it and have now paid off £7000 on credit cards, have savings for the first time ever and am working on saving for a deposit on a house. I would recommend this book to everybody as I believe there isn't anybody who wouldn't benefit from reading it and using the principles in this book.

A fantastic book that has already helped to start turning our finances around!The book is basically common-sense (as Dave Ramsey himself states in the book) but cuts through all the modern day lies that we have all been sold, such as 'we all have to have debt' etc.I have had a few funny looks and sneers because of this, but that's usually from people up to their eyeballs in debt!A great purchase for anyone looking to sort out the financial side of their life!

This book gives good, practical advice. It is obvious at times but it sets the obvious into you. A little less of the religion would have been nice. This is not to say it is too much either, just seems strange to be quoted in a financial book. 4/5.

This is one of the most clearly written books on personal finance I have come across.Although aimed at an American audience, the basic principles are so clear they easily translate to the problems and solutions available to someone in the U.K.It outlines a plan in simple " baby steps" that work. This is not a book about "secrets" that only those in the know can reveal, just straightforward information.

You won't regret reading this book! Dave Ramsey has totally changed the way we budget and think about money. Some of it is regarding American banking so I just slipped those parts as it doesn't apply to us :)

I don't think there's much to say about this great book. It opens your eyes to realise that taking control of your money is not difficult. You just need to stick to a plan. This book has all the tools to do so.

Wow completely changed my views and attitude to money. Not all of it relevant to uk market but a good place to start

I previously read this book and followed it. Allowed me to retire early. As such - this purchase was a gift for my daughter as she starts out. Hoping she follows as well and has a great debt-free life.

one of my American is currently doing the 'total money makeover'-program and I was curious.It is a very good read and will certainly help you to look differently at your spending habits and investments.It might be wise to skip the rather long introduction because it is all repeated in the book.

Dave Ramsey lays out common-sense advice, such as to live within your means, as part of a straightforward seven-step plan. The plan is a good, basic, and as easy to follow as a personal financial plan worth the paper it's printed on can be.The one major flaw is the advice to pay off one's smallest debts first, regardless of the interest rate. No matter how big the debts in question, it is always cheaper to pay off the highest-rate debt first. Dave is absolutely correct that his advice is the right advice for people whose basic problem is behavioral -- just getting started on a debt-reduction plan. His advice provides great, immediate, positive reinforcement. It is not good advice, however, for people who are basically responsible, but have significant debt either because of past medical emergencies or student loans, nor is it good for someone who has debts with a large range of interest rates. For example, assume you have a $20,000 car loan at 4% and a $25,000 home equity line of credit at 8%, each has a five-year term, and you have an extra $400 per month to pay down your debts. Following Dave's advice would cost you $865.04 in additional interest and take a month longer than if you had paid off the HELOC first. If you have the discipline to pay off debts either way and can handle not getting immediate results from paying off small debts faster, you would always be better off paying off higher-interest debts first. If you lack that discipline, well, then, Dave's plan is excellent.I am a big Dave Ramsey fan. I think the preceding paragraph is a necessary footnote to my enthusiasm, since there is a lot of confusion about interest and debt these days. That said, this is a good read for anyone.

We bought this book because this is an absolute must-have for any household and we needed some help to get out of our debts. Dave is a life-saver and his book gave us hope. Great book. It arrived in absolutely new condition, the packaging was excellent. The delivery time was within the limits. Thanks.

This is a great book with tons of basic ideas for taking control of your financial life.Sometimes a bit repetitive but it gets the important points across.Well worth a read for all those needing to gain control of their lives.