Total Money Makeover book giveaway
Merry Christmas to those who celebrate it, and Happy Thursday to those who don’t. Since I’m in the giving mood, I’m giving away a copy of Dave Ramsey’s Total Money Makeover
To enter, just leave a comment on this post mentioning what part of your financial life you’d most like to makeover. Or if you’ve already made over your financial life and are entering for some other reason, mention what change you made that had the biggest impact on your financial life.
Deadline to enter is Friday, January 2, 2009 at 11:59pm Mountain Time. One entry per person. Winning commenter will be selected using the Random Integer Generator. Winner will be notified in the comments and via email. If I don’t hear back from the winner via email by January 9, 2009 at 11:59pm Mountain Time, I’ll randomly select a new winner instead. Open anywhere not prohibited by law, but if you live outside the United States and win, expect it to arrive via very slow (cheap!) mail.
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December 25th, 2008 at 7:26 am
I’d love to get all of our credit cards paid off this year. This is the first Christmas we didn’t put anything on credit and it feels wonderful. We are well on our way!
Happy Holidays!
December 25th, 2008 at 7:36 am
I would love to get rid of this car loan.
December 25th, 2008 at 9:58 am
Delurking to say Merry Christmas!
December 25th, 2008 at 10:41 am
I need a saving and debt reduction makeover!
Carla
cpullum(at)yahoo(dot)com
December 25th, 2008 at 1:28 pm
Merry Christmas!
I paid off $20,000 in student loans and am debt free at the moment [don't own a home yet:)]. I believe that the primary reason for my present situation is the thirst for knowledge. I have made an effort to learn about the positives of debt-free living and investing in general. It is my money and I am the best person to care for it!
December 25th, 2008 at 1:51 pm
I have paid off my credit card debt and now I would like my money to be working harder for me, my husband and our retirement in 30 years.
December 25th, 2008 at 2:20 pm
Being more conscious of my spending is the big thing. By doing this so far I’ve made great progress on saving up for a house deposit
December 25th, 2008 at 2:25 pm
Oh there are so many places to start, two people, lots of debt, but I guess I need to start somewhere and I think getting out of credit card debt first (probably about 10K+ total between me and my fiance)…then work on the car loans (2 of those)
December 25th, 2008 at 3:39 pm
Since we will be debt free (except the house) at the end of this month, the next part of my financial life to be made-over is savings. I plan to put 15% into my 401k and 10% into savings/emergency fund.
December 25th, 2008 at 8:07 pm
Would love to get this HELOC paid off. Could use some
inspiration on how others have done it ….
December 26th, 2008 at 6:40 am
Finally paying off the mortgage has made the biggest financial impact in our lives as we are now debt free except for the final term fees for the youngest daughter who is in university. So … April 1st is the day that we will no longer have any financial obligations. The question now is how best to realign our savings goals.
December 26th, 2008 at 7:37 am
I’m refinancing with my current mortgage company from a 30 year @ 6.375% to a 20 year @ 5.0%. And it’ll be the same payment! Talk about savings!
December 26th, 2008 at 4:52 pm
to get rid of my car loan
December 26th, 2008 at 9:49 pm
I’m looking to grow my emergency fund, increase my investing knowledge, and hopefully start to tackle some school loans!
December 27th, 2008 at 10:02 pm
We were doing fine – had good jobs, money in savings, stocks, bonds and kid’s college funds, an affordable mortgage on a half-paid off house – then my father moved in with us and needed home health care, two children had babies out of wedlock, one child had a double-lung transplant (it was in another state and we had to relocate for 3 months during recovery), and then my husband’s plant closed and he was out of work for 6 months. He is now an owner/operator but without any benefits or retirement (and the recent gas price ordeal did a number on our income) and we went through all our saving, having liquidated everything to survive and keep our home. We just recently came to a agreement with the bank – they gave us a 3rd party loan to cover the payments we got behind in our mortgage so they won’t repossess our house. Anyway we are in our 50s and starting all over again. I am afraid of sickness stopping our income; of never being able to retire (my retirement plan balance at my work lost about a third of it’s value and my husband has nothing!) We haven’t used a credit card in almost a decade yet we are still trying to pay them off. We didn’t buy any Christmas presents or anything like that. We even shut down our some of our utilities last summer to keep costs down. We are supporting more people than ever and I just don’t know what to do. I would sure love to win that book as I can’t afford to buy it – maybe it would help me get a handle on our finances again. Thanks, T.
December 27th, 2008 at 11:16 pm
I love to track my money. I started a few years ago when I was ready to buy my first place. Now I have a 2nd, have the old one as a rental, and am trying to get a business off the ground while working the “day job”. While building that business, credit cards got up way higher than I’ve ever had. I’m pretty confident in paying them down through snowballing, and have just started to explore Dave Ramsey’s info. I would love to start off with this book! Thanks!
December 28th, 2008 at 4:08 pm
Our goal for this year is to pay down debt (and eventually get rid of all of it completely). I’ve often wanted to purchase the Dave Ramsey book, but I couldn’t justify spending the money on the book when I was supplementing my decreased income with credit cards…and into more debt we become. I’m hoping following the principles of the book would help us get out of our financial bind, eliminate the stress we have on a daily basis, and allow us to actually become debt free. We need this in both our personal lives and in our business. It seems everyone is making money off of our franchise except for us – if we had no business debt, we’d be wealthy!
December 30th, 2008 at 4:20 pm
I’d like to read this book, get some great advice and then donate it to my small hometown library so others can get great advice. Thanks for the opportunity!
January 1st, 2009 at 7:51 am
i would love to be able to save even more thanks for the contest
January 1st, 2009 at 10:38 am
I’ve never been able to save money. I’d like tips on how to start.
January 1st, 2009 at 12:55 pm
I would like to makeover the income part! A little more would be helpful!
January 1st, 2009 at 1:22 pm
I’d like to makeover excessive spending.
January 1st, 2009 at 1:28 pm
I could use this makeover
January 1st, 2009 at 5:39 pm
I would love to save some money this year somehow. I think I cut whereever I could but don’t seem to save any money.
January 1st, 2009 at 7:20 pm
We would really like to reduce our monthly mortgage payment and use the additional money for our retirement. We need help with this. Thanks for the giveaway.
January 1st, 2009 at 8:57 pm
I’d like to redo by retirement account. rsgrandinetti(at)yahoo(dot)com
January 2nd, 2009 at 4:28 pm
To pay off old debts and to contribute more to savings.
January 2nd, 2009 at 4:50 pm
My financial goal is to improve my credit score by 20 points of more by paying down cards and paying them early!
January 2nd, 2009 at 7:45 pm
I’ve started off 2009 on a very strict budget. My plan is to pay off my credit card debt and build my savings. I also have my seventeen year old daughter on a budget with her monthly allowance.
January 3rd, 2009 at 12:17 pm
And the winner is commenter #24, Chris Swan, who has been notified via email as well. Chris, please contact me for further details. If you didn’t win, put the book on hold at your local library :)