act2create: The Total Money Makeover by Dave Ramsey

Today, I will be sharing an important book on Financial fitness. Irrespective of whichever country you may be living in, this book will make total sense to you. If you apply the principles outlined in this book, it will change and surely improve your financial life and your concern on the big question “MONEY“. How do I know? This book has sold 300 million copies worldwide and I have followed the principles outlined which work.

act2create - total-money-makeover
act2create – total-money-makeover

We all go through school, college and education to find a well paying job, profession or a business. Once we begin to earn, we see and feel money which was not available to us earlier while we were a student. When the money is available, our spending increases and our desires have no bounds. Apple Inc. releases the newest phone in the market and the thought that comes to the mind is to be the first one to grab it. We party in costly restaurants, buy the fancy clothes and shoes out of the money which we have earned. Once the money is no longer available, we have the option of credit cards and doom, you are now in debt. While you may be submerged in small debt, your habits do not change and over a period of time the small debt has compounded to a big one. Now there is more month than money in your pocket.

By the time you are living your life and working, marriage approaches and now you need a house. A new one basically. You now have a credit card loan, a home loan and a family to feed. So there is still more month than money. Once you are 40, you see that you haven’t saved much and now you wish to address that problem as well. So now there is a question about Retirement and saving enough for future. Fast forward 20 years and you are retired but you have less money and you are more worried. Post your retirement, you seem to be short of money and you are now looking for ways to earn money or you decide to rely on your kids. BUT will they help? If not then what will you do?

If the above story seems similar to you even in the slightest case then it is time to wake up. This book has step by step guidance on how to build your financial health. It is not about any shortcut but all about a proven plan for financial fitness. Once you follow the steps in this book, you will yourself see the difference and sleep peacefully. I found this book when I read about the description on one of the blog’s. I immediately rushed to see the reviews and there were all praises. I ordered the original book which was shipped to me from USA after spending a small fortune and I have been following it religiously. The money I have spent on this book has been worth it and I would highly recommend you to apply the principles as well. I have already shared in my earlier post why I hated credit cards (link). That was one of the step which I followed from this book. It has been more than 4 years and I do not have a single credit card today. All thanks to this book.

Conclusion: This book is highly recommended for your financial fitness. There are seven steps mentioned in this book and each step requires time ranging from 3 months to 2 years. I am still at step number 4 since I began about 3 years ago but I am less concerned today than I was earlier. This book should be made a part of school/college syllabus. 

Advertisements

Leave a Reply

Fill in your details below or click an icon to log in:

WordPress.com Logo

You are commenting using your WordPress.com account. Log Out / Change )

Twitter picture

You are commenting using your Twitter account. Log Out / Change )

Facebook photo

You are commenting using your Facebook account. Log Out / Change )

Google+ photo

You are commenting using your Google+ account. Log Out / Change )

Connecting to %s