If there’s one thing I’ve never been accused of, it’s frivolous spending. Okay, that’s not completely true. I recently bought a membership to yoga (great intentions), but haven't stepped foot in the studio in my three months of membership. However, I have worked very hard over time to be smarter about my spending, what some people call financial prioritization. Still, I’ll be the first to admit that there’s still so much to learn about managing my finances—specifically, about budgeting. Fortunately, Dave Ramsey’s book, The Total Money Makeover, is packed full of helpful information on that exact subject.
This is a book about money, but what you won’t find in these pages is any kind of get-rich-quick scheme—Ramsey emphasizes that there is no secret way to building wealth. Instead, it takes both dedication and time. You must work for it—hard.
Unfortunately, we are not born with an innate skill on how to manage money. But that is not an excuse for poor money habits and avoiding the necessary steps to educate ourselves properly.
For those who have bad money habits, are swamped in credit card debt, or would just like to improve their budgeting skills, The Total Money Makeover is an extremely rich resource (pun intended). It provides a transparent plan on getting out of debt and lays out exactly how to revolutionize your finances. Ramsey points out many dangerous money myths and how to avoid falling victim to them. Throughout the book, he provides a step-by-step guide to achieving financial well-being.
No matter how much you know about handling your money, there’s always more to learn. If you think your budgeting skills could be even a little stronger, you owe it to yourself to check out Dave Ramsey’s book. You won’t regret it.