View Poll Results: Have you read "The Total Money Makeover"?
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08-05-2008, 02:04 PM #1Rude and Vile Master
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Have you read "The Total Money Makeover"
Curiosity on my part - see the poll.
If you could kick in the pants the person responsible for your problems, you wouldn't be able to sit for a month.
Did you know that a 4 year student paying $20,000/year who finances their education graduates with over $103,000 in debt to start? But a student who works and pays cash and takes 6 years to graduate ends with $6,300 in their pocket! So much for "getting a head start by financing!"
Greebo(Nerd Spender): Loving and extremely patiently tolerated husband of ceashels.
WARNING: Y Chromosome behind the keyboard. Adjust your listening filters appropriately!
ThreeTwo mortgages,twooneno car loans,oneno credit cards, and a partridge in pear tree!
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08-05-2008, 02:05 PM #2Registered User
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Yes, I have.
DJ
Married to DH since 1993
DD age 16
DS age 14
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08-05-2008, 02:08 PM #3Super Moderator
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dammit...voted wrong.
I meant to vote "I'm trying to find it cheap"
Somebody change my vote please.Russ
Truck payments:109876 5 4 3 2 1 WAHOO!
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08-05-2008, 02:10 PM #4Rude and Vile Master
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Wish I could!
If you could kick in the pants the person responsible for your problems, you wouldn't be able to sit for a month.
Did you know that a 4 year student paying $20,000/year who finances their education graduates with over $103,000 in debt to start? But a student who works and pays cash and takes 6 years to graduate ends with $6,300 in their pocket! So much for "getting a head start by financing!"
Greebo(Nerd Spender): Loving and extremely patiently tolerated husband of ceashels.
WARNING: Y Chromosome behind the keyboard. Adjust your listening filters appropriately!
ThreeTwo mortgages,twooneno car loans,oneno credit cards, and a partridge in pear tree!
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08-05-2008, 02:11 PM #5Super Moderator
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Gabe or Sara can.
Russ
Truck payments:109876 5 4 3 2 1 WAHOO!
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08-05-2008, 02:11 PM #6Registered User
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there ya go, messing up a brand new poll, you know that's gonna drive Greebo crazy! lol
Originally Posted by rcannon
dammit...voted wrong.
I meant to vote "I'm trying to find it cheap"
Somebody change my vote please.DJ
Married to DH since 1993
DD age 16
DS age 14
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08-05-2008, 02:20 PM #7Registered User
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Well, this was one of the harder polls, Greebo. I'm somewhere between on board and doing my own deal. But I do believe his principles are sound, and the perameters he gives - like how much savings, etc -- are some that I would also naturally gravitate to, so in the end I gave him a full thumbs up. He's not for everyone, but I believe that if you follow him you won't go wrong and will end up in a much better place than where you started.
Donna
Use It Up 2012:
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08-05-2008, 02:21 PM #8Unix Ninja
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I think I corrected it. Let me know if its ok!
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08-05-2008, 02:23 PM #9Moderator
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Originally Posted by dcompton
that's exactly us. I voted "doing my own deal" cause while we use his principles....we don;t do exactly his way. It the DR plan, with our own personal tweak that works for us.
:
Traci
dh 20 years
ds 14 ~ Russia
ds 14 ~ Russia
dd 6 ~ China
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08-05-2008, 02:26 PM #10Rude and Vile Master
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I suppose I could have voted "doing my own deal" but since our deal is only a very slightly adjusted Ramsey plan (BEF of 2k and we throw more there with each pay even while we're snowballing), I counted us as "on board".
Especially since we decided to sell some of ceashel's stock in order to pay off her car. That's VERY Dave to me.
If you could kick in the pants the person responsible for your problems, you wouldn't be able to sit for a month.
Did you know that a 4 year student paying $20,000/year who finances their education graduates with over $103,000 in debt to start? But a student who works and pays cash and takes 6 years to graduate ends with $6,300 in their pocket! So much for "getting a head start by financing!"
Greebo(Nerd Spender): Loving and extremely patiently tolerated husband of ceashels.
WARNING: Y Chromosome behind the keyboard. Adjust your listening filters appropriately!
ThreeTwo mortgages,twooneno car loans,oneno credit cards, and a partridge in pear tree!
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08-05-2008, 02:27 PM #11Super Moderator
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close enough Gabe. it doesn't show how I voted, but it does count my vote. thanks! Originally Posted by Gabe
Russ
Truck payments:109876 5 4 3 2 1 WAHOO!
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08-05-2008, 02:29 PM #12Moderator aka AmyBob
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Read it...doing our own deal.
My Blog: http://amysreallife.wordpress.com
Amy
Wife to
Mommy to 4
Public School Teacher
Our Only Debt: Mortgage - $454,243.56
2012 Grocery Challenge: $474.57/$500 January
Fling 2012 Things in 2012 Challenge: 253/2012
Reading Challenge: 6 book read in 2012
Always remember others may hate you, but those who hate you don't win unless you hate them. And then you destroy yourself."
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08-05-2008, 02:31 PM #13Registered User
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Yes I have read it. He gave good advice but I felt the need to adjust things to suit our needs best.
Challenges
EF $3975.00
debt:
medical bill $890/$6000
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08-05-2008, 02:46 PM #14
i deviated slightly. i kept one basic credit card for travel. i did them all out of order as well-- the divorce messed me all up.
bs 1 1000 bucks done
bs 2 debt free
bs 3 6 months of savings will be 16,000. i have roughly 6500 now
bs 4 15% retirement done
bs 5 n/a
bs 6 mortgage paid
bs 7 trying and tithing11% gross to retirement
10% takehome to tithe and offerings
emergency fund maintained at 3000(works for me)
credit card debt 7500
mortgage free
freedom accounts/sinking funds that ebb and flow
then live on the rest!
i am trying something new. LDS church advises savings or debt repayment should be the same as the tithe. 10% each.
"i create prosperity, abundance, and savings for me and my household"
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08-05-2008, 02:48 PM #15Registered User
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I voted "on board". We took the FPU class. We've modified it a little bit. However, we were/are debt free besides our house. We still use our CCs (as stated in another thread) but only for major purchases - like lumber for our deck or other things that we have money set aside for.
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