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The Total Money Makeover: Classic Edition: A Proven Plan for Financial Fitness Hardcover – September 17, 2013

Price QAR 68.74 In Stock

Estimate to be delivered 27 Sep - 30 Sep


body { font-size: 14px; line-height: 1.6em; } .aplus { min-width: inherit; } New York Times bestseller! More than Five million copies sold!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, everythingRecognize the 10 most dangerous money myths (these will kill you)Secure a big, fat nest egg for emergencies and retirement!Includes new, expanded “Dave 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.Dive deeper into Dave's game plan with The Total Money Makeover Workbook: Classic Edition. The Total Money Makeover: Classic Edition is also available in Spanish, transformación total de su dinero. Read more Read less options.iframeId = iframeId; options.iframeWrapperId = "bookDesc_iframe_wrapper"; options.overriddenCSSId = "bookDesc_override_CSS"; options.encodedIframeContent = bookDescEncodedData; options.initialResizeCallback = resizeCallback; BookDescriptionIframe = new DynamicIframe(options); P.guardFatal("bookDescription", function() { BookDescriptionIframe.createIframe(); }) (); if ((typeof BookDescriptionIframe != 'undefined') && (BookDescriptionIframe instanceof DynamicIframe)) { P.when('jQuery').execute(function($) { $(window).resize(function() { P.guardFatal("bookDescription", function() { BookDescriptionIframe.resizeIframe(resizeCallback); }) (); }); $(window).bind('imageResize', function() { P.guardFatal("bookDescription", function() { BookDescriptionIframe.resizeIframe(resizeCallback); }) (); }); }); } });

Customers Reviews

Save $1000 Pretty straight forward

5.0 out of 5.0 by Rachel Rainbolt on May 13, 2018
After years of hearing and reading about The Total Money Makeover, I finally grabbed myself a copy and read the whole thing in one night. While I would not call myself a Dave Ramsey fan, there was definitely value in the book. He has 7 steps he suggests moving through:1. Save $1000Pretty straight forward. You need a bumper for the small emergencies. Shit happens.2. Debt SnowballThe debt snowball approach is something quite valuable that took reading about in this book to fully grasp and get behind. It’s quite simple in its brilliance actually. You make a list of your debts from smallest to biggest (excluding mortgage) and focus all of your financial effort on one debt at a time (making only the minimum payment on all others), working your way down. 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. We only had 2 debts (1 car loan and the consolidated student loans) so it wasn’t too complicated. Still, it was helpful. I had been focusing on building the savings but diverted my attention and resources to stamping out the car loan instead. I can see how this technique could be life-saving for people who are overwhelmed with debtors.A main tenet of his book is that we can and should all be debt-free. There is a lot that resonates with me about living a debt-free life and this is a message I hope more people hear and get inspired by. Minimalism and debt-free are very good friends. Though I’m not dogmatic or militant about it. There are times when debt has been advantageous in my life but we don’t take it lightly, only entering into it consciously, with eyes wide open and a clear plan.3. 3-6 Months Expenses in SavingsBuilding up and maintaining a savings of 3-6 months expenses is the next focus only after all debts are paid. Companies go under. Employees get laid off. Freelance work experiences a drought. People get sick. Life happens. You need an emergency fund to get you through the hard times. In today’s professional climate, this is even more essential than in the past because the old working model of clocking in at 20 and retiring from the same company at 55 is dead. (I recently read The End of Jobs, which I recommend if you want to read more about that.) 3 years is actually the sweet spot in terms of job satisfaction and performance for being at a company. If you’re changing jobs every few years, the transitions can be sticky. You need a buffer.4. 15% to Retirement (401K, ROTHIRA, Mutual Funds Investing)There is one line he hammers throughout the entire book over and over again: “If you will live like no one else, later you can live like no one else.” He means that if you live a shitty life in your prime, you might enjoy a nice life when you are old and retired. Most of his examples throughout the book glorify families in which the parents work 3 jobs and rarely see their kids but by golly, they might have a nice savings if they make it to old age running themselves ragged. This is the heart of his philosophy and it’s one I completely disagree with. My philosophy is definitely more in line with Tim Ferris in that regard who urges you not to sacrifice your present for a future that may never come in the 4-hour work week (Ramsey actually even throws shade at Tim’s approach in this book). Particularly when there are children involved. My kids would rather have us present and be happy, healthy, rested, and homeschooling with a student loan floating out there than have us be absent working 3 jobs while they are in school and daycare with no student loan. These years are so important and while being debt free and financially healthy is a priority (we don’t use credit, we snowball, we budget, we save, we contribute to retirement), it is not the priority.5. College Fund (ESA funded in growth stock mutual funds)I appreciate that he does include a bit about college not being a golden ticket. If you want to read more about our approach to college for our 3 kids, check out Sage Homeschooling: Wild and Free.6. Pay off MortgageThis is where I hop off the Dave Ramsey train entirely. I know someone who had 3 houses paid off and then the real estate market crashed and they lost everything. I don’t plan to stay in the same house my entire life and I am happy to purchase a property with a mortgage, fix it up with a tight budget and lots of elbow grease, and sell it several years later when we are ready to move on to a new adventure (freedom of mobility). Also, the nation’s average income ($50K) paired with the cost of housing in a major city ($710K in Seattle), don’t line up for buying a house all cash. Again, his mindset around this is painfully outdated. The person he is talking to gets hired by Blockbuster out of college, works there 35 years, then retires and dies in their rocking chair on the porch. Norman Rockwell called and he wants his financial advice back. That is just not the world we live in anymore.7. Build Wealth (invest)He claims the only way to get rich is to invest in the stock market.Overall, it’s a book worth reading. The first 3 steps alone should be knowledge every teenager launches knowing. The philosophy is not my jam and I could certainly do without the patriarchal overtones and bible verses, but a quick and easy read that adds value nonetheless.I was hoping for some budgeting inspiration but found none in this book. I’m presently trying You Need a Budget. We’ll see . . .
Changed everything within a month!

5.0 out of 5.0 by Janell Michaels on February 20, 2018
I grabbed this book because I was tired of watching our bank account drain and credit card balances rise, all the while wondering where the heck our money was going. And quite simply put, this changed everything for us within the first month.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!The rest of the book goes over the baby steps, a systematic, do-these-in-order money tasks to kill debt and build wealth. Each step's chapter also includes personal success stories. Honestly, you can learn the steps without this book either from the Dave Ramsey website, or even better, from watching the metric TON of YouTube videos on his channel. He does a daily show where people call in with money problems, and he uses this method to solve them. That practical, real-world advice has taught me a lot about this system. But I like having this book handy on my Kindle as a reference, plus the info given about each individual step goes more in-depth than the website.To sum up, if you own Financial Peace University, Dave's other money books, or are a die-hard YouTube viewer, there's likely nothing new here. But if you're new to the system or want a written reference to go along with his videos, this might well be the one to get in order to cover the basics. I was desperate and at wit's end, terrified of the retirement future staring me in the fact in the next decade or so. Now, I can see a bright financial future ahead, and we have a plan. I can't say enough about this program!
Just a book of "success stories"

1.0 out of 5.0 by BenAmazon1991 on January 20, 2019
If you take out the "success stories" of those who have followed "The Total Money Makeover", the book would be about 7 pages long. It is just all annoying "success stories" and not much useful content. I thought this was going to be a helpful book, but it is just a collection of stories of dumb people who bought huge houses and Dave himself who found a dumb friend who cosigned on his Jaguar...I paid over $16.00 for this book and have no problem paying $5.99 to return it. This book is stupid.
Life Changing Book!

5.0 out of 5.0 by Willis on April 18, 2017
Good book. Life changing! In 4 months, I paid off my car loan, all credit cards and doctor bills!!! About $6,000 total. I increased my credit score to a 747. Started at a 660.

5.0 out of 5.0 by Candy on November 10, 2017
Dave Ramsey is not just a financial adviser with down to earth advice in taking control of your money, but also is a fine person that truly cares about helping people with a kind heart and sound advice for basic living. If one cannot afford to buy his books (It would be better to afford them then other wasted spending)....he has a wonderful website where you can also find good information and videos and is on the radio every weekday. He answers questions truthfully and kindly. Do I recommend? Absolutely! Give this man and his advice a try!
So easy to understand

5.0 out of 5.0 by Amazon Customer on June 16, 2017
Literally read the book in 3 days, and made up in my mind that I was going to start this thing. I'm 22 years old, fresh out of college, and I wanted to make sure my family was okay before I got married. That means no debt, and being able to keep them out of debt too. So easy to understand, engaging, and relate able.