For those of us interested in getting control over our finances, Dave Ramsey has helped millions achieve freedom from credit. He has many CD's, DVD's, books, a radio show, and an educational website that can help average consumers like us plan our lives and money much better.
This past year, my husband and I made a commitment to pay down our credit cards and other debts and be debt free. My husband has a varying income (he works on 100% commission), so when times have been good I've made extra payments and when times have been bad I've paid minimums. I am happy to report that I have been able to pay down our credit card debt by HALF! This coming year I'm hoping to not only finish paying off our credit cards, but also try to get as close to paying off my car as I can.
I have not embarked on this journey myself - I have had my husband behind me (which is essential), and I have useed many of the tools Dave Ramsey makes available. I have the budgeting software, several books, and I also have some CD's I play on my iPod.
Unitl January 3rd, 2010, Dave Ramsey is offering ALL CD's, DVD's, and books for half off! All you need to do to begin your Total Money Makeover is click here. I highly recommend using some sort of tool to help you along - there are many books and CD's available out there, not just Dave Ramsey (although his information is wonderful!). You can visit your local library and check out many books on the subject, or you can visit various websites for free information and tips. All I can say is this: it's hard, but it's worth it! You owe it to yourself to get your finances under control and get your debts paid off.
Good luck - I wish you all much success in the coming year!
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