The Total Money Makeover Workbook

I bought the Total Money Makeover Workbook along w/ the hardcover book, thinking it would be more 'hands-on'. It wasn't worth the extra cost. A lot of the exercises seemed written for children - fill in the blanks w/ words you read in the passages... really silly. Plus, all the necessary worksheets are in the hardcover book already, so the workbook didn't seem to give me anything new. Don't waste your money on the workbook.

This has same inforamtion as the book you don't need both.

I started to listen to Dave about 3 years ago and eventually purchased "The Total Money Makeover". I was $15,000 in CC debt, with a $349 car payment, making about $35,000. I had about $15,000 in stocks, savings, etc and thought I was doing great. But realized being in debt was no way to live. Now at age 30, I am debt free except for the house, no car payment, and now I'm using my most powerful money making tool (my income) to build my saving back up and the future looks bright!!!

Thanks for the guidance, Dave!!!!!

I recommend this book to anyone especially those who think they in too deep a whole to get out. Dave will show you step by step on how to do it. It's not easy but it's well worth it...

Financial Peace is an awesome feeling!

Like most Americans our finances were spinning out of control with our living paycheck to paycheck. After hearing Dave Ramsey on the radio I immediately purchased The Total Money Makeover book and accompanying Workbook.

Utilizing the principles outlined in these texts we have completely turned our out-of-control finances into a structured system whereby we know exactly where every penny is to be spent before the month begins. In the six weeks that we have started using these principles, we have taken Dave's advice and created an emergency fund of $1,000 for those rainy day blues that are sure to come along. In utilzing the debt snowball method of reducing personal debt we have already paid off three credit cards totaling over $2,500. We should triple that number long before Christmas.

I highly recommend these books to anyone wishing to change their lives for the better. If you cannot imagine what it would be like to put your paycheck in the bank every payday and not worry about any of the money being spent on bills then I challenge you to go immediately to pick up these books. Once you've read The Total Money Makeover you will realize that debt is not a good thing and that you truly can be debt free. Do this for yourself. Do it for your family. Buy it NOW !

Tony W. Brown
Whitehouse, TX

If you purchase the workbook, you really do not need the main book as well. It would be fine on its own. This is a great, very basic system and is working extremely well for my family. Instead of living paycheck to paycheck, we are now within months of being debt free, except for our mortgage. Great system!! I highly recommend it.