The Total Money Makeover

posted by Melissa Cappleman
January 6, 2012

Have You Read Dave Ramsey’s “Total Money Makeover?” Here’s a Quick Refresher if it’s Been Awhile (or an Introduction if You Haven’t)

As the Certified Independent Dave Ramsey Financial Coach of the Los Angeles area, I meet so many people who just have wrong beliefs about money. So many people want a quick fix, and I’m sorry, but there just isn’t one. Changing your financial situation starts with a long, cold look at the person in the mirror – your beliefs, your habits, your responses, your current way of life. So many people are just not mature enough to say no NOW so they can say yes LATER. But why delay your gratification? Why shouldn’t you enjoy whatever you want NOW?

The fact of the matter is – NOW for so many people involves spending on credit, borrowing what they don’t have, and paying interest rates to huge, wealthy companies. Whereas LATER, if done correctly, is the means to pay in CASH, the ability to enjoy wealth, to give, to save, and to invest as they wish.
No get-out-of-debt system (not Dave’s, not mine, not Suze’s, not any guru’s) will ever work until you are willing to make the necessary sacrifices and the tough choices NOW. Debt is designed to grow – it’s called interest, and you need to save even faster to get out of it. It’s not fun, but you put yourself in this situation and only you can get yourself out of it. That’s the reality.

But the good news is – there is help and I’m not talking about fast loans or consolidation. There are people like Dave, like me, who are here to help you realize what you are doing to make your debt grow and what you can do to change this. Rising debt is the result of choices and actions that you have made. Creating a budget or getting out of debt is simple – just live on less than what you make. But doing that in reality is often so much more daunting or difficult than it seems. That’s why I’m here. I’ve done it myself, I’m living debt free on a single income, and I can show you how too.

Isn’t it time? Go take “The Total Money Makeover” off your bookshelf and read it again, or go buy it and read it for the first time. Then, let me know when you are ready to put it into action – I’m here, so you don’t have to do it alone.

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