Results 1 to 13 of 13
  1. #1
    Registered User Mamaof2rugrats's Avatar
    Join Date
    Jan 2007
    Location
    The Missouri Backwoods
    Posts
    570
    Post Thanks / WTG / Hug
    Rep Power
    6

    Default Just starting out with DR

    Just starting out looking into the DR books and budgeting techniques. Which books should I dig into first? I checked amazon and there are quite a few!

    ) to...
    My little wheelchair boy Born 05/16/2005 and went to heaven on 09/28/2008
    and
    My fiesty daughter Ella-Gracie 06/15/2006 and new baby boy Clint 05/03/2011 And many other "angel babies"(5) in heaven
    On the long road to adoption

    Wife to my Army MP Trace
    Debt:
    His 04 Toyota Tacoma- 14,000/14,000 Pd off!
    Chrysler Town and Country- 15,000/ 14,300 to go UGH
    Star Card 6,000/6,000 Pd Off!
    Star Card 2- 2500/2200 to go
    Dh's consolidation loan 12,000/12,000 Pd Off!!!
    Hubby's 1st marriage credit debt 50,000/50,000 Pd off (Don't ask ugh)
    Emergency Fund-5,000/ Goal of 10,000

  2. #2
    Registered User sunshine's Avatar
    Join Date
    Feb 2002
    Location
    central midwest
    Age
    51
    Posts
    7,594
    Post Thanks / WTG / Hug
    Blog Entries
    56
    Rep Power
    30

    Default

    TMMO is the most popular currently. I have Financial Peace, and I love it.

  3. #3
    Moderator Ceashels's Avatar
    Join Date
    Apr 2007
    Location
    Baltimore, Md
    Posts
    3,607
    Post Thanks / WTG / Hug
    Blog Entries
    2
    Rep Power
    26

    Default

    I prefer TMMO but both are wonderful books and deliver the same good, common sense information. I think Financial Peace offered a more personal side to his story. (It's been a while since I read through it.)
    The Free Spirit Saver who walks the path with Greebo.

    Onboard with a modified Dave Ramsey Plan
    Budget: "Every month! On paper, on purpose!"


    Gardening somewhere between Zone 6b and 7a.

  4. #4
    Registered User gmarie's Avatar
    Join Date
    Jul 2010
    Age
    33
    Posts
    634
    Post Thanks / WTG / Hug
    Rep Power
    3

    Default

    I read TMMO first and loved it... I am having trouble finding motivation to read Financial Peace... it puts me to sleep!
    BS1: $1000/$1000
    BS2:
    CC: $0/ $15884
    Other Debt: $0/2487
    Car Loan: $0/11800
    SLs: $20368/54031
    Total Consumer Debt= $20,368/81825

    Timeline:
    10/09 - DH lost Job.
    1/10 - spent 20k to finish DHs degree
    4/10 - Found DR and got Gazelle Intense!!
    1/11 - Paid off last CC!
    2/11 - Downsized from 2400 to 600 sf!
    10/11- Paid off car 3 yrs early!
    1/12 - Paid off DH's Education!

    Next Goal: Own My Degree!

  5. #5
    Registered User Palooka's Avatar
    Join Date
    Jan 2007
    Posts
    10,395
    Post Thanks / WTG / Hug
    Rep Power
    46

    Default

    I've only read TMMO.

  6. #6
    Registered User mcsestretch's Avatar
    Join Date
    Jul 2010
    Posts
    17
    Post Thanks / WTG / Hug
    Rep Power
    0

    Default

    Consider this another vote for Total Money Makeover.

    Congratulations on making this decision! If you stick to his plan, you won't regret it.

  7. #7
    Registered User rissimo's Avatar
    Join Date
    Jun 2010
    Location
    Tennessee
    Age
    45
    Posts
    154
    Post Thanks / WTG / Hug
    Rep Power
    3

    Default

    Financial Peace and Total Money Make Over, I'd check with your local library. They ususally have several copies of his books.

  8. #8
    Registered User
    Join Date
    Oct 2010
    Posts
    17
    Post Thanks / WTG / Hug
    Rep Power
    0

    Default

    Is there really THAT much else in TMMO besides the Baby Steps that make it worth purchasing? Just wondering since the baby steps seem to be what's talked about most and they're not exactly a secret you can only get from the book.

  9. #9
    Registered User khaski's Avatar
    Join Date
    Sep 2008
    Posts
    1,315
    Post Thanks / WTG / Hug
    Rep Power
    11

    Default

    I vote TMMO too...and even though yes, you can get the gist of the baby steps elsewhere,I really would encourage you to pick up a copy to have on hand and refer to....we all need re-inspriring sometimes! Don't forget to check eBay and half.com to see where you can find it cheapest...you could even ask for a copy on freecycle.com, you never know, someone may be willing to pass on a copy for free (and so the frugality begins....)


    May:
    Coupon/drug store rewards:$15
    $ Spent accumulating coupons: $5.99

    YTD totals:

    Coupons/drug store rewards: $759.04
    $ spent getting coupons:$92.70
    2011 total savings:$2068.18 2010:$1066.58

    Meatless dinner: 13/52
    Weight loss challenge:1.4/35

  10. #10
    Registered User knitnmom's Avatar
    Join Date
    Apr 2008
    Location
    Central Coast CA
    Posts
    463
    Post Thanks / WTG / Hug
    Rep Power
    6

    Default

    Another vote for TMMO!! Some churches are carrying it as well. I love to re-read it to get me back on track when I need it....like now!
    Tami

    2012 Challenges
    Mill my own flour
    Bake my own bread
    Plant my own wheatgrass
    Make my own almond milk
    Make my own yogurt
    Plant one fruit tree
    Plant two veggies
    Stick to budget and get more organized
    Work on stashbusting my craft room
    Finish UFOs 1/14

  11. #11
    Rude and Vile Master Greebo's Avatar
    Join Date
    May 2008
    Location
    Baltimore, Maryland
    Age
    43
    Posts
    8,243
    Post Thanks / WTG / Hug
    Rep Power
    71

    Default

    Quote Originally Posted by livefreebrewfree View Post
    Is there really THAT much else in TMMO besides the Baby Steps that make it worth purchasing? Just wondering since the baby steps seem to be what's talked about most and they're not exactly a secret you can only get from the book.
    TMMO contains a lot of inspirational material as well. It has a lot of the "WHY" over and above the "HOW".
    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!

    Three
    Two mortgages, two one no car loans, one no credit cards, and a partridge in pear tree!

  12. #12
    Registered User Lefty's Avatar
    Join Date
    Jul 2010
    Location
    Pittsburgh
    Posts
    3
    Post Thanks / WTG / Hug
    Rep Power
    0

    Default

    All the example's of the lesson's learned by other families in the TTMM really got me on track..plus listening to DR on Debt free Friday's help build confidence.
    Debt Paid off YTD: Approx $12000 since July 2010

    And the snowball rolls on!!!

  13. #13
    Registered User StanleyJohnson's Avatar
    Join Date
    Mar 2010
    Location
    Wisconsin
    Posts
    154
    Post Thanks / WTG / Hug
    Rep Power
    3

    Default

    DR's TMMO is currently on sale for $10
    *** 2012 Goals***

    Pay off........

    1) Car Loan $5,700--500 left @ 3.25%

    2) Treadmill Pd in Full

    3) Rental refurb- $7,075

Similar Threads

  1. Starting Over
    By MisaLady in forum Frugal Living
    Replies: 15
    Last Post: 07-21-2009, 12:14 PM
  2. Just starting out
    By nancy70364 in forum Homesteading and gardening
    Replies: 14
    Last Post: 05-16-2009, 06:30 PM
  3. Starting Out
    By SAHMWannaBe in forum General Chat
    Replies: 16
    Last Post: 02-16-2006, 12:30 PM
  4. What's your best tip for just starting out?
    By sunshine in forum Kitchen Basics
    Replies: 12
    Last Post: 11-12-2004, 09:53 AM
  5. I'm starting a new job!!
    By Daphne in forum General Chat
    Replies: 23
    Last Post: 12-26-2003, 03:15 PM

Tags for this Thread

Posting Permissions

  • You may not post new threads
  • You may not post replies
  • You may not post attachments
  • You may not edit your posts
  •