Dave Ramsey http://www.daveramsey.com/ Real Life Money Stories en-us Fri, 31 Jul 2015 10:07:16 CST 180 Saturday Sunday Dave Says - July 28, 2015 http://www.daveramsey.com/davesays/column/column/dave_says_2015-07-28 http://www.daveramsey.com/davesays/column/column/dave_says_2015-07-28 Tue, 28 Jul 2015 08:07:21 CST My husband and I are both 50, and we make about $50,000 a year. We have a little bit of debt, and recently my mother-in-law moved in with us due to health issues ... Debt Free For Life! http://www.daveramsey.com/articles/articleList/category/100424/storyid/104273 http://www.daveramsey.com/articles/articleList/category/100424/storyid/104273 Tue, 21 Jul 2015 01:39:09 CST I'm currently a second semester sophomore at a private university. I first heard about FPU in my Personal Finance class that I took my senior year of high school. Like most high school seniors, I was searching for the dream school. My parents didn't have any money put back for college so I was terrified I would have to take out student loans. I was bound and determined to avoid loans. After touring and looking at a couple of colleges I found an affordable PRIVATE SCHOOL! I applied Dave Ramsey's negotiating techniques I managed to get a full ride for FOUR YEARS! I will graduate with NO DEBT! I am so glad I heard about Financial Peace University at a young age because I know how to avoid mistakes before I make them. Dave Says - July 20, 2015 http://www.daveramsey.com/davesays/column/column/dave_says_2015-07-20 http://www.daveramsey.com/davesays/column/column/dave_says_2015-07-20 Mon, 20 Jul 2015 10:07:33 CST I'm self-employed, and I travel about 30,000 miles a year in my van ... LPL FINANCIAL ALLIES WITH RAMSEY SOLUTIONS TO PROVIDE A NEW FINANCIAL WELLNESS PROGRAM TO ITS PLAN ADVISORS http://www.daveramsey.com/press-release/lpl-financial-allies--with-ramsey-solutions-to-provide-a-new-financial-wellness-program-to-its-plan-advisors http://www.daveramsey.com/press-release/lpl-financial-allies--with-ramsey-solutions-to-provide-a-new-financial-wellness-program-to-its-plan-advisors Mon, 20 Jul 2015 09:07:43 CST LPL Financial LLC, the nation's largest independent broker-dealer*, a custodian for registered investment advisors (RIAs), and a wholly owned subsidiary of LPL Financial Holdings Inc. (NASDAQ: LPLA), today announced that it has established a relationship with Ramsey Solutions to offer the financial wellness program, SmartDollar, to LPL retirement plan advisors and plan sponsors. Newly weds to newly parents to debt free http://www.daveramsey.com/articles/articleList/category/100424/storyid/104260 http://www.daveramsey.com/articles/articleList/category/100424/storyid/104260 Sun, 19 Jul 2015 03:13:47 CST Dave, My wife, Emily, and I are celebrating our fifth wedding anniversary on July 24th. It is especially significant to us because we have two beautiful sons to share it with and are now DEBT FREE. I am a teacher at Wahlert Catholic High School and Emily is an occupational therapist at Mercy Hospital in Dubuque, Iowa. We found out about your program from a friend and have been snowballing our student loan debt since August 1, 2012. During her last year of graduate school, she was a student without a loan paying over $24,000 worth of tuition in cash. I also obtained my masters degree as a student without a loan. In total, we paid $167,000 worth of student loans and tuition payments in less than 3 years. I cashed out two whole life policies and purchased 20 year term policies for both Emily and I. I also started a business that has been pretty successful called Iron Sharpens Iron Team Wrestling Camps. Shortly after reading A Total Money Makeover, as a teacher, I knew I had to impart this wisdom to my senior students about ready to venture into the "real world." I contacted one of your curriculum advisors, Maggie Collier, and purchased your curriculum. In the fall of 2012, I taught your system to my seniors at Northeast Goose Lake High School. Emily and I would like to thank you for helping us find a path. In terms of finances, we felt hopeless and helpless as a young couple. You gave us direction and a concrete plan. We gave ourselves $30 a month for a date night, got rid cable, lived on a strict budget, drove $5000 paid-for cars, and did not buy a house (despite everyone telling us we should). For three years, we have lived like no one else. Our blessing are many and we will continue our baby steps so later we can live like no one else. Thank you!!! Joel and Emily Allen p.s. if we could do our debt free scream on the air we would love it but understand you probably have a lot of people asking. Asset Protection http://www.daveramsey.com/articles/articleList/category/100423/storyid/104258 http://www.daveramsey.com/articles/articleList/category/100423/storyid/104258 Fri, 17 Jul 2015 03:50:07 CST During a continuing education event I was sold an asset protection plan in an attempt to protect our "assets" from liability in the event of a malpractice suit. I proceeded to agree to $100/month for 12 months to participate, then began a six month process of forming corporations to hold the house, the business and our accounts. After paying several hundred dollars more in legal fees, I realized that we really didn't have anything to put into the corporations because we didn't have ANY ASSETS. Also, to protect the house it was going to double our property taxes and their was not even equity to protect. So, once everything was set I immediately began to dissolve the businesses which cost more legal fees. One year later I'm now right where I was except ~$2,000 lighter in STUPID tax. Single Mom Turns Her Life Around http://www.daveramsey.com/articles/articleList/category/100424/storyid/104238 http://www.daveramsey.com/articles/articleList/category/100424/storyid/104238 Wed, 15 Jul 2015 03:22:15 CST Dear Dave, Thank you for changing my life! I am a single mom of 2 living in Ashland, Oregon who has made some STUPID choices with money. I was stupid as a married housewife, when I wasted money on luxury items, including car payments and a HELOC we could not afford. I did not understand I was ???keeping up with the Joneses???, but I sure was. My parents have always been savers, driving old cars and being frugal financially. But they are not believers, and as a spiritual child I longed for God. 10 years ago I found a wonderful coach with a church background, and she taught me to tithe, pray, keep positive, and be a giver. Coaching with her helped me start a women???s support group business, and grow my income. In an in-person training with her, which was very expensive and required me to fly to Vermont every other month for 5 days, I also discovered my husband was opposed to religion. He began to abuse me verbally about my faith(and I???m sure this was partly because my faith caused me to spend a lot of our family money on this training!). While I tried to meet him halfway by going to Debtor???s Anonymous, and working harder to meet my obligations, he was not willing to meet me halfway and respect my spiritual beliefs. He does not believe in God or tithing. And so after 3 years of marriage counseling and trying to work it out we divorced. I would not have had the strength to do this without my coach. I will always be grateful to her for this. But I never learned to release debt and save. After my divorce I tithed generously(more than 10%), and continued flying across the country for training. While I am grateful I had the money to do that, I was unwise with my personal spending. I had that depressed ???I deserve it??? feeling, and treated myself with a lot of luxuries, pleasure travel, and eating out. I realize now part of my depression was a sense of powerlessness at how fast the money was slipping away, because I didn???t have a plan for how to catch it. I have some savings, but it???s less than I would like to have given my income. When I listened to your Total Money Makeover audio, I was electrified! Here was the missing piece, an opportunity to save and grow my money by having a plan that was in alignment with God. Now I???m coming back to the money attitude of my parents, with of course putting God first. I scaled my tithing back to 10% but I do that off the top of my gross self-employment income. I immediately paid off $8000 in credit card debt, and have almost totally paid off the $6500 owed on my car loan. I feel SO grateful to have found your work. I started cooking for my women???s groups instead of using a caterer to save money, and am holding off on a new website until I have met my savings goals. I will be doing FPU at home this summer, and in the fall at a local church in Medford, Oregon. I so appreciate how you teach we can do God???s work AND be smart with money! Thank you so much!!!! Kathy Kali Financial Freedom! http://www.daveramsey.com/articles/articleList/category/100424/storyid/104236 http://www.daveramsey.com/articles/articleList/category/100424/storyid/104236 Tue, 14 Jul 2015 11:57:17 CST I first heard about Dave Ramsey from my roommate when doing an internship in Portland, Oregon during the summer of 2007. He had a copy of TTMM and recommended I read it, which I did. It was very basic but just made sense to me. At the time I was still accruing student loan debt but the seed had been planted and I had planned to turn my finances around once I graduated and started my career. I graduated with an Engineering degree from Kansas State (Go Cats!) in May of 2009 and was one of the fortunate ones to land a career job working as an engineer at a major oil company in Tulsa. For the first six months I was enjoying my new salary and spending most of my income, frequently traveling around the country visiting friends and seeing the sites. In 2010 I started getting more disciplined and had paid off my approximate $25K of student loans by November of that year, becoming debt free. Fast forward to today and I'm completely debt free including my home (which I saved up and paid cash for in 2013). I've also been maxing out my 401K for several years and been able to help friends/family along the way. All the glory to GOD!!! It has been a challenging road and definitely been bumps along the way, but the Proverb "The diligent will prosper" definitely rings true! Dave Says - July 13, 2015 http://www.daveramsey.com/davesays/column/column/dave_says_2015-07-13 http://www.daveramsey.com/davesays/column/column/dave_says_2015-07-13 Mon, 13 Jul 2015 10:07:50 CST My husband broke a few ribs and his collarbone a couple of years ago when he flipped our ATV. He's fine now, but we still have about $20,000 in medical bills ... I ran a marathon, and I hate running! http://www.daveramsey.com/articles/articleList/category/100424/storyid/104211 http://www.daveramsey.com/articles/articleList/category/100424/storyid/104211 Wed, 08 Jul 2015 10:06:52 CST Seven and a half years ago, fresh from school onto a new job I was living life like everyone else. In debt with student loans, credit cards, medical bills (some of which I was unaware of thanks to wrong mail addresses) and a fresh brand new car loan. To add to it I needed braces and a whole load of bone work for my lower jaw. All in all I started with $65K in the hole, and no at the time I had no clue what uphill battle that would've been. Well to top it of eight months from the day I graduated my brand new car was crashed by a F250, I survived but not the car, yet I went back and bought another brand new one. The same day the bill for my student loan came, and surprise surprise it was way more than I thought I owed, and the car payment which ironically still needed to be paid despite the accident, and the braces bill, and utilities and... . I was a complete mess, I wondered how to get out of it and how in the world an engineer couldn't add and subtract easy numbers and stay afloat. Yep what a wonder... I went to Google and one of the first names that popped out was Dave Ramsey... Did research, went to the website and bought the book, read everything and anything online about DR and his lessons, not everyone liked the guy but reading about people who got out of their debt and made their family relationships stronger won me over. I've had a budget since I moved out of my parents house at 21. Still I had no clue what I was doing, but I wasn't deterred. I had a budget :), with one thing missing... The FOOD. I was so smart that I forgot the food line in my OWN budget. It took about six months to have a 'fool proof' budget and with a few twinks here and there I managed to survive... It wasn't easy at all, and every time I thought I was near, Murphy and his gang would show up full force, smiling ear to ear. I've been close to paying off debt three times, and all three extreme circumstances have set me back, I would get so mad but there were others that were going through the same journey who held my hand and kept me going. Went to FPU class 4 times, fell of the wagon so many times I lost count, encouraged so many people that some even stopped talking to me, but my wish was so what I was doing to be their inspiration. Finally in June 2015, I became debt free!!!!!!!! The most liberating feeling I've ever felt. It was a marathon to remember, and no I don't want to go in it again... Murphy still shows up but this time, I have snow balls that can kick him far far away :) Now I am engaged with a God fearing man, who just like me seven years ago accumulated school loan and car debt (not as much as I but enough to strain a budget). The first date, we mentioned DR (honestly had nothing to loose :)) and he enjoyed the conversation, read the book and we did the lessons. We both are working on our budgets and have a preliminary one that includes both our incomes. We both know life will happen, and Murphy will try his best, but we're more aware and we're keeping ourselves safe from Murphy's surprises. Our engagement and wedding will be cash, a brand new thing for both of us (first marriage for both). I cannot wait to see what God has in store for me and him, and I am sure Murphy wont be happy to see what we have in store for him, if he decides to show up at our doorstep :) The $30 Bag of Cement http://www.daveramsey.com/articles/articleList/category/100423/storyid/104212 http://www.daveramsey.com/articles/articleList/category/100423/storyid/104212 Wed, 08 Jul 2015 01:03:25 CST I had a Home Depot card that I had not used in several years, yet had never gotten around to closing the account. They sent me a letter stating that due to inactivity my account would automatically be closed by a certain date unless I used the card at least once. I must have had a brain freeze because I went to Home Depot and charged a bag of cement that cost less then $3, all in the name of keeping an account open that I never used and really was not interested in using. Of course I forgot about the charge until it was 2 days late. I then got hit with a $25 late fee plus 25% interest on the original purchase. Back to Home Depot I went, this time to pay nearly $30 for a bag of cement and close the account myself. Never again will I use credit cards, especially store cards with interest rates that would make a loan shark blush. Recently I made a purchase at Macys. The cashier asked if I was interested in saving 10% by opening a store account. Having learned my lesson, I smiled and said no thank you, I'm not interested in credit cards, and paid cash for the purchase. SCHOLARSHIP WINNERS ANNOUNCED IN DAVE RAMSEY’S FINANCIAL LITERACY CHALLENGE http://www.daveramsey.com/press-release/scholarship-winners-announced-in-dave-ramseys--financial-literacy-challenge http://www.daveramsey.com/press-release/scholarship-winners-announced-in-dave-ramseys--financial-literacy-challenge Tue, 07 Jul 2015 13:07:47 CST Dave Ramsey’s Foundations in Personal Finance announces the winners of the college scholarships awarded in The Financial Literacy Challenge, including a $36,000 scholarship. WE'RE DEBT FREE http://www.daveramsey.com/articles/articleList/category/100424/storyid/104210 http://www.daveramsey.com/articles/articleList/category/100424/storyid/104210 Mon, 06 Jul 2015 10:58:03 CST Four years ago our debt looked like this: $25,000 in student loans, $28,000 on a truck loan, $15,000 on a car loan, $2,700 to move out of a house that we sold, $3,000 in credit cards and $27,000 in medical debt. I am happy to say that we have paid all of that off in just under four years. We made every dumb mistake with money that you could possibly make. We rolled one car loan into another, went to a school we could not afford, bought a house at the top of the market, and risked not having health insurance. When we first started it felt like we would never finish. Our family made fun of us and our friends stopped inviting us on trips. I read the stories on this site everyday to keep me motivated. We sold everything that was not nailed down(except the vehicles). Even if all I received was $3 it went to the debt envelope. All the hard work and sacrifice finally paid off. I am happy to say now WE'RE DEBT FREE!!!!!! If you are struggling to pay off your debts and feel like quitting, don't. Just stick with it. If we can do it, anyone can! Dave Says - July 6, 2015 http://www.daveramsey.com/davesays/column/column/dave_says_2015-07-06 http://www.daveramsey.com/davesays/column/column/dave_says_2015-07-06 Mon, 06 Jul 2015 10:07:47 CST I own a rental property that brings in enough to pay the taxes and insurance with a little left over. Recently, I found out that my tenant, who just signed a new two-year lease, is subleasing the property ... Student Loan Nightmare - SOLVED http://www.daveramsey.com/articles/articleList/category/100424/storyid/104195 http://www.daveramsey.com/articles/articleList/category/100424/storyid/104195 Wed, 01 Jul 2015 07:06:23 CST When my wife and I got married, at age 23, she had $71,000 in student loan debt. We took Financial Peace early on and decided to aggressively attack this and get debt free. We are 6 months away from celebrating our three year wedding anniversary and are DEBT FREE. We used the snow ball system to pay off the individual loans, have used cars (no payments) and have been living on about 50% of our take home pay, using the other 50% to pay off loans. SO EXCITED TO LIVE A DEBT FREE LIFE! Dave Says - June 29, 2015 http://www.daveramsey.com/davesays/column/column/dave_says_2015-06-29 http://www.daveramsey.com/davesays/column/column/dave_says_2015-06-29 Mon, 29 Jun 2015 09:06:38 CST Where should you save for large expenditures when you're doing the Baby Steps? It's Never Too Late http://www.daveramsey.com/articles/articleList/category/100424/storyid/104186 http://www.daveramsey.com/articles/articleList/category/100424/storyid/104186 Sun, 28 Jun 2015 02:59:07 CST LIke Dave says, "You can wander into debt, but you can't wander out!" My husband Bob and I wandered financially for 24 years of marriage, always trying to out-earn our stupidity. By the grace of God, we found Dave's program and began to implement it. We had good retirement savings and relatively little debt, but by following Dave's Baby Steps, we cleaned up what debt we had and built our cash savings. We eliminated "stupid" for good! Along the way we improved our communication and respect for one another. Now we are doing more than hanging on until retirement; we're actually enjoying our present! We are feeling a greater sense of freedom and security than we had previously known. And we see God's Hand more clearly in our daily lives. How can you beat that? Thank you, Dave! Dave Says - June 22, 2015 http://www.daveramsey.com/davesays/column/column/dave_says_2015-06-22 http://www.daveramsey.com/davesays/column/column/dave_says_2015-06-22 Mon, 22 Jun 2015 10:06:33 CST I'm currently a senior in college. I'm completely debt-free right now, and I am wondering what I should do to stay this way after graduation ... Debt Free!!! http://www.daveramsey.com/articles/articleList/category/100424/storyid/104164 http://www.daveramsey.com/articles/articleList/category/100424/storyid/104164 Thu, 18 Jun 2015 09:40:00 CST ???The rich rule over the poor, and the borrower is slave to the lender.??? Proverbs 22:7 (NIV) This bible verse was inspiration to pay off our student debt as soon as we could. We decided to be more aggressive on the loans about two years ago and were successful in paying off $55,000 in that time-frame. Now we are debt free and our next step is to get into a house. We are quickly learning that being debt free is challenging in getting approved for a mortgage since we have no credit scores but it is comforting to know that God has the perfect house picked out for us if we are willing to be patient. The ???world??? can tell us to go into debt in order to gain credit but we do not agree with that approach. Thanks to Dave Ramsey???s Financial Peace University, we gained confidence and knowledge on how to prioritize our finances. We pray that our accomplishment will encourage others that it is possible to live debt free and it has its rewards! In God???s love, Josh & Tiffany Cousino Seven years later.... http://www.daveramsey.com/articles/articleList/category/100424/storyid/104144 http://www.daveramsey.com/articles/articleList/category/100424/storyid/104144 Tue, 16 Jun 2015 11:00:37 CST I remain the poster child for FPU. I was a broke single mom of a child with health issues, fresh out of an abusive marriage that left me with over $100K in debt on a small salary. Our pastor introduced FPU to our church - and the rest is history. It took years to dig out of debt, but I finally became debt free. Fast forward seven years: I have quadrupled my salary, drive a paid-for Volvo, have a 6 month emergency fund, manage my own investments, and recently went on a Hawaiian vacation. But the best part is being able to "give like no one else" and support my church and various charities and individuals. My mid-life crisis is in radical giving! Stick with it folks - this works! Thanks, Dave! Dave Says - June 16, 2015 http://www.daveramsey.com/davesays/column/column/dave_says_2015-06-16 http://www.daveramsey.com/davesays/column/column/dave_says_2015-06-16 Tue, 16 Jun 2015 00:06:00 CST My wife and I are in our twenties. We have no debt and $50,000 in the bank. Our income is $90,000 a year, and we're cautious to live on less than we make ... 500 pounds is just toooo fat. http://www.daveramsey.com/articles/articleList/category/100423/storyid/104139 http://www.daveramsey.com/articles/articleList/category/100423/storyid/104139 Fri, 12 Jun 2015 04:43:01 CST At age 25, with an income of close to $200k, the concept of earning a large salary lead me to believe I would become wealthy, by simply - earning income. Much of it was spent on 'stupid tax' items... New car, consumer debt, etc.. No plan - No strategy. I was in approx $75k debt with a new mortgage on top of that. When I came across Dave's TMMO book I was completely speechless at how obvious the steps are to building wealth and how I was completely going about this the wrong way. I have 2 credit cards, both on interest free purchases - mainly for furniture/house items, you know - with '50 months interest free'... So I was paying $100 or so on a balance of $8000, making very little headway. I had a brand new car loan for my truck of close to $50k, with monthly payments of $820, and a further personal loan of $20k or which I needed to get out of a huge loan borrowed to 'gamble' in the stock market, I bought high - sold low. Literally, the TMMO book felt as if it was my story... The bad parts anyway. Within 15 months, I was debt free. Sold the car and bought a paid for used car from my dad with 120,000km on it for $5000. Closed my credit card accounts, and now have 1 mastercard debit card. I have $30k in savings for a rainy day (approx. 5m months expenses) Am saving $35k per year for retirement, am saving $5k for my 2 young children and am paying all available money into my mortgage approx. $5k/month. We are living on approx. 37% of my income and am making significant headway after the TMMO has changed my families life. I hope to be able to transition to a more suitable work/life job by age 33-35, debt free and living life to the fullest. Thank you Dave, I often listen to TMMO to remain focussed on the task at hand. Dave Says - June 9, 2015 http://www.daveramsey.com/davesays/column/column/dave_says_2015-06-09 http://www.daveramsey.com/davesays/column/column/dave_says_2015-06-09 Tue, 09 Jun 2015 00:06:00 CST We're debt-free including our home. My husband is a man of faith, but a bit of a dreamer ... I fell for an internet scam http://www.daveramsey.com/articles/articleList/category/100423/storyid/104111 http://www.daveramsey.com/articles/articleList/category/100423/storyid/104111 Sun, 07 Jun 2015 08:08:21 CST I check craigslist frequently to make extra money (side hustles). I've done two focus groups within the last 2 years and earned $175. Not a lot, I know, but every little bit helps. Somehow last year I fell victim to a Western Union scam. My parents had recently gifted me with $10,000 for my birthday. I put $5,500 in a Roth IRA and the rest in savings. But I got a counterfit check in the mail after providing my address to this online scammer. Not thinking, I did a mobile deposit on my phone, and the check seemed to "clear." In the meantime, I was instructed to withdraw $1,700 from the account and send it via Western Union to a woman in North Carolina (who I didn't know). I stupidly did all this - why didn't I question that there was a mistake on the check and bring it directly to the bank to see if it was a fake? Why did I just send the money to some random person in North Carolina? A lapse in my thinking, obviously. So, along with a nearly $200 Western Union transfer fee, I was out around $1,850. I involved the police both where I live and in North Carolina, but the money had already been sent out of the country. I was scammed and couldn't do anything about it. I definitely paid through the nose with that one, especially after the check bounced several days later. To add insult to injury, I was charged $10 by my credit union for cashing a fraudulent check! Dave Says - June 1, 2015 http://www.daveramsey.com/davesays/column/column/dave_says_2015-06-01 http://www.daveramsey.com/davesays/column/column/dave_says_2015-06-01 Mon, 01 Jun 2015 10:06:24 CST I've been in my current job for five years. I've also had a second job for three of those years, but now I'd like to make a change ... Dave Says - May 26, 2015 http://www.daveramsey.com/davesays/column/column/dave_says_2015-05-26 http://www.daveramsey.com/davesays/column/column/dave_says_2015-05-26 Tue, 26 May 2015 08:05:09 CST I recently applied for life insurance for the first time with a child rider. The insurance company denied my request ... Crashed and burned http://www.daveramsey.com/articles/articleList/category/100423/storyid/104059 http://www.daveramsey.com/articles/articleList/category/100423/storyid/104059 Mon, 25 May 2015 06:57:36 CST Graduated from school in 2007 thought I can buy a 325k house with 100% financing. I got a better job making more money which required me to move out of state. Thought I could sell the house and ended up foreclosing. Had to make a deal to pay off collections and borrow it from my 401K to avoid lawsuit and court. I paid serious penalties. I figured I was still young enough to make the money back. Today I am better. I had almost 150k debt and now I'm on my way 38k left in student loans. I can hear a debt free scream in the near future. I am truly blessed. Dave has given me the advice and knowledge my parents never gave me. DAVE RAMSEY HOSTS SMART CONFERENCES IN PHOENIX AND DENVER THIS FALL http://www.daveramsey.com/press-release/dave-ramsey-hosts-smart-conferences-in-phoenix-and-denver-this-fall http://www.daveramsey.com/press-release/dave-ramsey-hosts-smart-conferences-in-phoenix-and-denver-this-fall Tue, 19 May 2015 16:05:41 CST New York Times best-selling author Dave Ramsey will host the Smart Conference in Phoenix and Dallas this fall. Ramsey Solutions Launching Christian Financial Radio Show on Salem's Christian Radio Stations http://www.daveramsey.com/press-release/ramsey-solutions-launching-christian-financial-radio-show-on-salems-christian-radio-stations http://www.daveramsey.com/press-release/ramsey-solutions-launching-christian-financial-radio-show-on-salems-christian-radio-stations Wed, 13 May 2015 15:05:07 CST Ramsey Solutions is entering the Christian radio space, and has joined forces with Salem Media Group (NASDAQ: SALM) to initially launch in twenty of its major markets including Dallas, Houston, Philadelphia and Atlanta. No Zero base.... http://www.daveramsey.com/articles/articleList/category/100423/storyid/103990 http://www.daveramsey.com/articles/articleList/category/100423/storyid/103990 Fri, 01 May 2015 09:16:27 CST I have been using the envelope system for 3 years now and take out what I need to cover the bills for each category and do not really pay much attention to them as it has become auto pilot, money in - money out. Just today I took a second and counted what was in all my envelops... $3690 guess I need to reevaluate my zero based budget and use the almost 4 grand more effectively.(ROTH here I come) But in the end I guess this is the best kind of stupid tax you can have. DAVE RAMSEY ANNOUNCES STOPS ON HIS FALL 2015 ENTRELEADERSHIP ONE DAY TOUR http://www.daveramsey.com/press-release/dave-ramsey-announces-stops-on-his-fall-2015--entreleadership-one-day-tour http://www.daveramsey.com/press-release/dave-ramsey-announces-stops-on-his-fall-2015--entreleadership-one-day-tour Thu, 30 Apr 2015 13:04:41 CST Nationally syndicated talk radio show host and New York Times best-selling author, Dave Ramsey, presents EntreLeadership One Day in four cities this fall. DAVE RAMSEY’S SMART MONEY TOUR ANNOUNCES FALL 2015 STOPS http://www.daveramsey.com/press-release/dave-ramseys-smart-money-tour-announces-fall-2015-stops http://www.daveramsey.com/press-release/dave-ramseys-smart-money-tour-announces-fall-2015-stops Thu, 16 Apr 2015 13:04:18 CST New York Times best-selling author and personal finance expert Dave Ramsey announces stops on his Smart Money tour this fall. Silly but true http://www.daveramsey.com/articles/articleList/category/100423/storyid/103898 http://www.daveramsey.com/articles/articleList/category/100423/storyid/103898 Sun, 12 Apr 2015 08:29:24 CST I went to an expensive private school in 2007 my first year of college and downgraded to community college a year later due to finances. After moving states a few times I finally got my undegrad degree in 2014 paying completely out of pocket for all the education (post the first school I went to). My father told me not to worry about the first year because he had paid it - well fast forward to now I go to buy a car and I find out I have $7000 in loans from this school. I pay the lowest one in full ($1400) to a collections and make sure to get a receipt. As you would expect it doesn't come off my record, it took 3 weeks of phone calls and finally a threatening legal letter to finally get it reported as paid properly. The second loan of about $5,600 I now have down to $1,800 and will have it paid off by June using the debt snowball method. Lessons learned- 1: Never listen to your parents when it involves your finances. Always double check things. 2: Colleges and government subsidized organizations often do not operate ethically and will not report things as paid even when you have full documentation of paying them, unless you threaten to sue them. 3: Dave Ramsey's baby steps are very useful even when you don't think you have any debt. DAVE RAMSEY CELEBRATES NATIONAL FINANCIAL LITERACY MONTH WITH THE FINANCIAL LITERACY CHALLENGE http://www.daveramsey.com/press-release/dave-ramsey-celebrates-national-financial-literacy-month--with-the-financial-literacy-challenge http://www.daveramsey.com/press-release/dave-ramsey-celebrates-national-financial-literacy-month--with-the-financial-literacy-challenge Thu, 09 Apr 2015 16:04:09 CST NASHVILLE, Tenn. —To celebrate National Financial Literacy Month, New York Times best-selling author and nationally syndicated radio talk show host Dave Ramsey is inviting high school students across the country to test their personal finance knowledge by taking The Financial Literacy Challenge. Insurance didn't pay http://www.daveramsey.com/articles/articleList/category/100423/storyid/103896 http://www.daveramsey.com/articles/articleList/category/100423/storyid/103896 Thu, 09 Apr 2015 05:40:08 CST I had my 3rd child last fall and decided to breastfeed her. I took the breastfeed class at the hospital where a lady in the class suggested that the insurance would pay for a breastpump. They're pricy around $300. So long story short, I called the insurance company jumped through every single hoop from using a provider medical supply company to getting the correct one and everything. I called verified and reverified. I paid for it, they billed insurance the rest. 7 months later Im getting a bill because the insurance won't pay, and the business won't accept the adjusted amount. So now I'm paying again. It was such a headache, lesson learned, just buy what you want from where you want. funny fact, baby won't even take a bottle at all, but I'm still breastfeeding, so it was all stupid tax! NEW EVERYDOLLAR TOOL TAKES THE STRESS OUT OF BUDGETING http://www.daveramsey.com/press-release/new-everydollar-tool-takes-the-stress-out-of-budgeting http://www.daveramsey.com/press-release/new-everydollar-tool-takes-the-stress-out-of-budgeting Mon, 23 Mar 2015 16:03:27 CST Get your household budget in order by using EveryDollar, the newly released, free budget tool from personal finance expert Dave Ramsey. BRAND NEW CLASS HELPS PARENTS RAISE MONEY SMART KIDS IN A DEBT-FILLED WORLD http://www.daveramsey.com/press-release/brand-new-class-helps-parents-raise-money-smart-kids-in-a-debt-filled-world http://www.daveramsey.com/press-release/brand-new-class-helps-parents-raise-money-smart-kids-in-a-debt-filled-world Fri, 20 Mar 2015 09:03:40 CST mart Money Smart Kids, the #1 New York Times best-selling book, is the inspiration for a new class designed to help parents teach children to win with money. FINANCIAL EXPERT CHRIS HOGAN BRINGS RETIREMENT EVENT TO DALLAS http://www.daveramsey.com/press-release/financial-expert-chris-hogan-brings-retirement-event-to-dallas http://www.daveramsey.com/press-release/financial-expert-chris-hogan-brings-retirement-event-to-dallas Wed, 18 Mar 2015 15:03:07 CST Nashville, Tenn. – Chris Hogan, retirement and financial expert, will be presenting his new “Retire Inspired” event in Dallas on April 11 at 9:00a.m. CT at Bent Tree Bible Fellowship. Hogan has helped thousands of people get control of their money during his 20 years in the financial industry, including the past 10 years as part of New York Times best-selling author Dave Ramsey’s team. Now Hogan is taking this message to the stage to give people a step-by-step plan for taking control of their money, and properly preparing themselves for long-term financial success. Too Trusting.... http://www.daveramsey.com/articles/articleList/category/100423/storyid/103793 http://www.daveramsey.com/articles/articleList/category/100423/storyid/103793 Fri, 13 Mar 2015 10:42:15 CST I have 4 children. 3 girls and one boy. The 3 girls all went into the medical field with one becoming a doctor and the other two are nurses. They easily take care of themselves. They have always been honest with me. I spent small amounts of money getting them to where they are, never any waste and money well spent. My son on the other hand was a challenge. First, I paid over $5000 for him to attend the police academy. He finished it and became a cop for about 3 years. But he got bored with the job and claimed it wasn't for him, so he quit. By this time, he's in his late 20's to early 30's. He came to me to borrow money to go to helicopter school as he wanted to ultimately become a med-vac pilot. I was ok with this but the cost of this school was high. I figured it would cost him $60K to get through it. He had a little money saved so I pulled money from my 401(k) to lend to him (first mistake). I lent him $44K and I told him repeatedly that I had to have that money back as it was my retirement. I tried to protect myself as best I could so I had him sign a note to detail the debt between he and my wife. He, myself and my wife all signed it. He started the school and for awhile he seemed to be doing quite well, excelling actually. I was proud of him and believed he might actually pull this off. The training peaks with "Instrument Rating" which he completed, right up to the check-ride flight which he decided to not do. He got past the hardest part of the training and then decided it wasn't for him. So, you guessed it, he bailed on me and literally disappeared for 2 years. He finally surfaced, financially broke and asking for more money, which he didn't get. I'll never get that training money back regardless of the agreement. But it's on me, I should have never ever ever lent it to him in the first place. Emotion took over when I should have looked at how irresponsible he is and not that he is my only son. This has proven to be a very expensive lesson. impulsive car purchase http://www.daveramsey.com/articles/articleList/category/100423/storyid/103791 http://www.daveramsey.com/articles/articleList/category/100423/storyid/103791 Fri, 13 Mar 2015 03:59:52 CST I was debt free except for my student loan. I had been able to purchase a care, thanks to an inheritance. I had a bad experience with the car dealer and was so angry that I sold the car and bought another one. now I have a car payment on a car that I can't afford. I can't work right now due to health issues. I also impulsively went back to college and incurred student debt but never did graduate with a degree in a field that I am totally unsuited to work in-no aptitude or talent for the area. due to a mix up the lender didn't receive my payment so I put a stop payment on the check and spent the money on dumb stuff. then I got upset because someone told me that I didn't have enough to begin investing because I didn't have enough in my emergency fund and I felt like a failure and that I couldn't do anything right. ended up using credit cards to meet every day expenses. I have been able to pay off the 2 credit cards but still have the car payment and the student loan payment. my remaining income is not guaranteed so I am now living in fear, not financial peace and freedom. moral of the story-seek Godly counsel. learn to forgive those who use you in business and don't use that as an excuse for rationalizing or justifying poor financial decisions. wait before making major financial decisions and learn not to make decisions on impulsive or while angry or feeling hurt. it is major, major, major stupid tax to do so. $54,000 In 17 Months! http://crc.daveramsey.com/?event=dspTestimony&intContentId=9479 http://crc.daveramsey.com/?event=dspTestimony&intContentId=9479 Tue, 18 Mar 2008 00:03:00 CST In total, we paid off <b>$54,000 in 17 months!</b> Thanks Dave for your ministry! The crowns you will be able to lay at the Masters feet one day will be incredible! Single Dad Now Debt Free! http://crc.daveramsey.com/?event=dspTestimony&intContentId=9474 http://crc.daveramsey.com/?event=dspTestimony&intContentId=9474 Tue, 18 Mar 2008 00:03:00 CST Dave, <b>I did it</b>!!! As <b>a single father</b> of 2 wonderful boys (ages 5 & 7), I thought it would be impossible, but 24 months later... <b>I'M DEBT FREE!!!!!</b> I Can't Wait to Lead My Own Class! http://crc.daveramsey.com/?event=dspTestimony&intContentId=10112 http://crc.daveramsey.com/?event=dspTestimony&intContentId=10112 Fri, 20 Jul 2007 00:07:00 CST Jenna just graduated from FPU, but she's already looking forward to leading classes in the near future! We Are Now Better than We Deserve! http://crc.daveramsey.com/?event=dspTestimony&intContentId=10126 http://crc.daveramsey.com/?event=dspTestimony&intContentId=10126 Fri, 23 Mar 2007 00:03:00 CST Our only regret is that while watching the FPU videos over and over, we realize how much stupid tax we have paid! We learned to buy only big, big bargains! http://crc.daveramsey.com/?event=dspTestimony&intContentId=10135 http://crc.daveramsey.com/?event=dspTestimony&intContentId=10135 Wed, 10 Jan 2007 00:01:00 CST FPU Coordinators Joe and Alicia describe the blessings they have received since finding Financial Peace. I Committed My Life to 2 Things http://crc.daveramsey.com/?event=dspTestimony&intContentId=10141 http://crc.daveramsey.com/?event=dspTestimony&intContentId=10141 Wed, 23 Aug 2006 00:08:00 CST Rick shares his testimony and journey of committing his life and being an FPU coordinator. FPU Is A Great Way To Meet New People! http://crc.daveramsey.com/?event=dspTestimony&intContentId=10142 http://crc.daveramsey.com/?event=dspTestimony&intContentId=10142 Thu, 27 Jul 2006 00:07:00 CST The McCords attended FPU at a different church in the community and have benefited from the course in multiple ways! FPU Taking Living to the Next Level http://crc.daveramsey.com/?event=dspTestimony&intContentId=10148 http://crc.daveramsey.com/?event=dspTestimony&intContentId=10148 Mon, 20 Mar 2006 00:03:00 CST After FPU took Stephanie's "commitment to debt-free living to the next level," she lead a course and now shares an incredible story from a couple in her class. Online Potluck Highlights http://crc.daveramsey.com/?event=dspTestimony&intContentId=10152 http://crc.daveramsey.com/?event=dspTestimony&intContentId=10152 Tue, 29 Nov 2005 00:11:00 CST Here are a few of the stories from the celebration for you to enjoy. You can read them all by signing into the Community and entering the Fellowship Hall. No AC? No Sweat, thanks to FPU! http://crc.daveramsey.com/?event=dspTestimony&intContentId=10153 http://crc.daveramsey.com/?event=dspTestimony&intContentId=10153 Tue, 04 Oct 2005 00:10:00 CST "I am SO thankful that the course was offered at my church and that I had the opporunity to enroll." Due diligence https://www.mytotalmoneymakeover.com/?event=dspAskDave&intContentItemID=130517 https://www.mytotalmoneymakeover.com/?event=dspAskDave&intContentItemID=130517 2015-07-30 11:26:13.86 Gordan calls in from Milwaukee, WI. He wants to make sure the parts he gets for his work are on the up-and-up and asks Dave for advice. In the process, Dave touches on business ethics and that "gut feeling" people have sometimes. Don't do it! https://www.mytotalmoneymakeover.com/?event=dspAskDave&intContentItemID=130483 https://www.mytotalmoneymakeover.com/?event=dspAskDave&intContentItemID=130483 2015-07-23 08:55:38.267 Jeremy and his wife are recent graduates, and they have $300,000 in student loan debt. They want to buy a rental property, with ideas of the income helping to pay off their debt, but Dave leaves no doubt he thinks this is a bad idea. Need side income https://www.mytotalmoneymakeover.com/?event=dspAskDave&intContentItemID=130459 https://www.mytotalmoneymakeover.com/?event=dspAskDave&intContentItemID=130459 2015-07-09 14:25:42.353 Erik was recently separated from the military, and now he hopes to have a career in real estate. His wife works as a teacher, but things are starting slowly for him. He asks Dave if they should sell their home. What percentage? https://www.mytotalmoneymakeover.com/?event=dspAskDave&intContentItemID=130413 https://www.mytotalmoneymakeover.com/?event=dspAskDave&intContentItemID=130413 2015-06-22 11:49:02.18 Susan from Abilene, Texas, asks Dave what percentage of your total net worth your mortgage should be after retirement. You are the answer https://www.mytotalmoneymakeover.com/?event=dspAskDave&intContentItemID=130371 https://www.mytotalmoneymakeover.com/?event=dspAskDave&intContentItemID=130371 2015-06-08 14:00:10.197 Dave is fired up after speaking to several millionaires on the show. In this rant, he uses their examples to remind people that politicians don't have the answer to the average American finding financial peace. Pay off debt first https://www.mytotalmoneymakeover.com/?event=dspAskDave&intContentItemID=130311 https://www.mytotalmoneymakeover.com/?event=dspAskDave&intContentItemID=130311 2015-05-27 10:30:58.313 After taking a closer look at their budget and debts, Craig and his wife are having second thoughts about finalizing a deal on a house. He calls in from Miami, FL, and Dave offers his opinion on the situation. A dangerous situation https://www.mytotalmoneymakeover.com/?event=dspAskDave&intContentItemID=130303 https://www.mytotalmoneymakeover.com/?event=dspAskDave&intContentItemID=130303 2015-05-21 10:13:19.3 Kate recently took out a HELOC, with no first mortgage, and now she wants to roll other debt into the loan. Dave explains why this is a bad idea, and gives her a better, safer solution. Save extra instead https://www.mytotalmoneymakeover.com/?event=dspAskDave&intContentItemID=130289 https://www.mytotalmoneymakeover.com/?event=dspAskDave&intContentItemID=130289 2015-05-14 09:47:37.37 Sarah calls Dave from Mobile, AL, because she recently applied for life insurance with a child rider. However, she was denied the rider portion due to her son's condition. Dave offers some advice, along with hope for the future. Budget together https://www.mytotalmoneymakeover.com/?event=dspAskDave&intContentItemID=130252 https://www.mytotalmoneymakeover.com/?event=dspAskDave&intContentItemID=130252 2015-05-08 09:52:07.593 Cheryl and her husband are having money issues, and Dave thinks it's because they're not working together. He has lots of good advice for becoming one with money in a marriage. Ahead of time https://www.mytotalmoneymakeover.com/?event=dspAskDave&intContentItemID=130230 https://www.mytotalmoneymakeover.com/?event=dspAskDave&intContentItemID=130230 2015-05-04 14:04:26.397 Stephanie and her husband are a little confused about the Baby Steps. She calls in from Dallas, Texas, to get Dave's help.