Debt Consolidation Loan

Debt Consolidation Loan

The Total Money Makeover: Classic Edition: A Proven Plan for Financial Fitness

The “makeover” is a set of 7 baby steps, but before the steps comes the cornerstone of the whole program: a written budget and a cash envelope system. The book covers why you need a written budget, and boy, it was true for us. Sure, I had a mental idea of what our bills were. But writing everything out let me see ALL the little things I tend to forget about, and how quickly they add up. The book helped us make a “zero based” budget, meaning we earmarked every dollar coming in for a specific purpose (rent, groceries, gasoline, etc.) Then comes the cash envelope system, which helped us make an immediate 180-degree turnaround on our spending. The book covers why cash is better than plastic (debit as well as credit), as well as how to create cash envelopes for each spending category and stuff them with the budgeted amounts. No more accidental overspending!

These 7 baby steps of his are simple, universal, and brilliant:
Save $1,000 emergency fund
Pay off debts using the Debt Snowball: Make a list of your debts, smallest to largest (excluding mortgage) and focus all of your financial effort on one debt at a time (making only the minimum payments on all others), working your way down, with gazelle intensity. Once you cross one off, you divert all the money you were paying on that debt to the next, with the payment size growing at each step.
Save 3-6 months expenses
Put 15% toward retirement
Save for kids’ college
Pay off mortgage
Build wealth by investing

You can take control of your money. Build up your money muscles with America’s favorite finance coach.

Okay, folks, do you want to turn those fat and flabby expenses into a well-toned budget? Do you want to transform your sad and skinny little bank account into a bulked-up cash machine? Then get with the program, people. There’s one sure way to whip your finances into shape, and that’s with The Total Money Makeover: Classic Edition.

By now, you’ve heard all the nutty get-rich-quick schemes, the fiscal diet fads that leave you with a lot of kooky ideas but not a penny in your pocket. Hey, if you’re tired of the lies and sick of the false promises, take a look at this—it’s the simplest, most straightforward game plan for completely making over your money habits. And it’s based on results, not pie-in-the-sky fantasies. With The Total Money Makeover: Classic Edition, you’ll be able to:

Design a sure-fire plan for paying off all debt meaning cars, houses, everything
Recognize the 10 most dangerous money myths (these will kill you)
Secure a big, fat nest egg for emergencies and retirement!

Includes new, expanded Dave’s Rants sidebars tackle marriage conflict, college debt, and more. All-new forms and back-of-the-book resources to make Total Money Makeover a reality.

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