The Dave Ramsey DEBT BLOG

DAVE RAMSEY ANNOUNCES STOPS ON HIS FALL 2010
Tue, 31 Aug 2010 00:08:00 CST

Nationally syndicated radio talk show host and New York Times best-selling author, Dave Ramsey, is hitting the road again this fall in an effort to help people get control of their money.

Dave Says - August 30, 2010
Mon, 30 Aug 2010 12:08:59 CST

When is it okay to buy toys for the lake - things like boats and jet skis when following ...

We are debt free Including the house!!!
Sun, 29 Aug 2010 05:40:25 CST

Five years ago my husband and I hit our financial rock bottom. His 6 figure job as a new construction real estate agent came to a a sour end when the real estate bubble burst.Up until this point we had lived high on the hog and our reckless financial habits left us in MESS. We had 8 investment properties weighing us down and no income to float the notes. None of the homes were income producing. Although we lived in a paid off home and had a rental property paid off we still owed over a million dollars to banks and other lenders. After many hours of prayer and lots of tears we decided to make good on every loan no matter what the cost. We sold our two paid off properties and used the money to sell the other 5 homes. Our kids went from private schools to public. We stopped eating out and had 400 a month budgeted for food for a family of 7. We no longer had lavish parties. Gifts to our family and friends became hand made cards. We moved into the the 6th home because it was distressed and needed major work and wouldnt sell until it was complete. Our normal nights and weekends of movies and date nights now became dedicated to laboring to make our home liveable. My five children have learned how to paint,install baseboards,hang cabinets,and every aspect of yard work and landscaping. We traded our newer cars for beaters.My husband worked for one year in construction (a job he swore he would never do again).I no longer spent my days having lunch and shopping with girlfriends.Instead I was babysitting,working at a preschool and cleaning houses(yes a few months prior I had a cleaning service cleaning my house). When the smoke cleared a little we started to follow the Dave Ramsey plan and we became gazelle intense. God blessed our decisions and several amazing things happened. My husband landed his dream job as a sales rep for a company that offers a base pay, commisions, retirement,a pension, and a medical plan that covers our family of 7. Two years from our bottom we became debt free from everything except our house. And on August 9th 2010 we sold the final house that we renovated and with a combination of savings and equity we PAID CASH for our 4 bedroom home in a wonderful neighborhood. We are free from the bondadge of debt.The best part for me is the 5 years of hard work and sacrafice has developed the character of our 5 children in such an amazing way. Thank you Dave and we look foward to seeing you in November in Orlando.

Just One Debt at a Time
Fri, 27 Aug 2010 08:29:35 CST

My husband and I have been married 14 years and have never been debt free. Sure, we were ALMOST debt free a few times, but would sabotage ourselves one way or another. We would be out shopping and see a 'want' and convince ourselves we would put it on a credit card. We would say we'll only have 'just this one debt at a time', and pay it off quickly. Well, if you get a $2500 TV at Best Buy on the 0% interest card, you also need a beautiful entertainment center to showcase it right? And of course, to justify it, the center was on SALE! And, sadly, on another credit card, OOPS! I grew up watching my mother put everything on a credit card. She was a waitress, and had so many cards it looked like she was selling them. She would borrow from one, and make payments with the cash advances. I learned that credit cards were used for every purchase, and that's just how it was done. It really is very hard to overcome what you see as a child everyday. I finally found Dave, constantly hearing about living like no one else, so I can live like no one else, made me want to change. We had 14k in credit card debt and paid it off in 23 months. Not much in the way of debt, but actually paying it off without racking up MORE is amazing. I am a full time student, and we have payed for my school with cash! We also took a trip to Maui while becoming debt free, using the debit card of course. Not a whole lot of suffering as you can see. I am making sure my daughter knows that credit cards are evil, and to always use cash or debit. When we go out and she sees a card pulled out of the wallet, she never fails to say 'now mom, that's a debit card, right?' And I can smile and say 'yes it is!'

Debt Free Before Pediatric Cancer
Fri, 27 Aug 2010 07:38:34 CST

Dear Dave, God works in funny ways sometimes. We sometimes do things thinking they are for one reason (like getting out of debt) only to find out they are really for another reason (to take care of a child). We started your program back in September of 2007. We were over 100K in debt, mostly from student loans (over 50K!), car loans, braces, and one credit card. We finished Baby Step 2 by February of 2010! Then we finished Baby Step 3 in June of 2010. It was a lot of work, selling everything but the kids, and realizing that stuff is just stuff. Experiences with people are more important to us now than buying things that collect dust. This month, our four year old, sweet baby girl, Emmy, was diagnosed with a rare form of cancer. Although she is going to St. Jude and her expenses are paid for, we can now take her to the gift shop and buy whatever she wants and let her eat as much ice cream as she wants while at St. Jude without having to worry about bills back home. It is such a blessing to know that we can focus on her without worrying about bills. Thank you, Dave. Thank you for sharing your story, for helping others, and for being you:) We are so thankful to be debt free with an emergency fund and to be able to take care of our daughter without worrying about bills. Life is good:) Thank you, Thank you, Thank you!!!!

Work Less, But Make More
Tue, 24 Aug 2010 04:52:06 CST

My wife and I have been together 30 years August 20. We both worked for a major oil company, so we made ok money. We got married August 22, 1983. Started a small business in 1984 one year after we got married, while we both still had full time jobs. We tried to be normal, borrow money to grow our business. The banks wanted too much collateral so we just used our credit cards to fund our business which ultimatley turned into businesses. We operated the businesses for 10 years and made some money plus the salary that we earned working for a major oil company, but we were always in debt. I quit Texaco in 1996 and operated one of our businesses thru the years. We managed to struggle by and go deeper into debt. By 2006 we had $50,000 worth of credit card debt, $10,000 on a 5th wheel camper, and about $10,000 on a 2001 Dodge pickup. We were barely making the payments. Luckily our house and our other properties were paid off. In 2005 I went back to work in the oilfield as a safety consultant and started trying to get out of debt, without a plan. In 2006 I happened to hear you (Dave Ramsey) on the radio and started listening. I bought your book, read it and was sold on the plan to get out of debt. The only problem, my wife wasn?t on board at this time. I finally got her to listen to you on the radio and read your book. We started on the plan, took Financial Peace University and got completely out of debt by the end of 2007. We sold the camper, paid off the pickup and credit cards. Since that time, we have been able to pile up quite a bit of cash, plus our emergency fund. We bought a used 2005 Cadillac Escalade and paid cash. We bought a couple of toys, 2 Polaris ATV four wheelers and paid cash. I was laid off in September 2009. I was off for 8 months and we didn?t have to worry about going back to work because we had a good emergency fund built up. In fact, we really enjoyed the break. During that time we built a shop for my hobbies in our backyard and paid cash. I am now working again through the same company as a safety consultant, but I only work 3 days per week and I get to pick the days I work. Sweet deal. We have a little over a million in net worth now. My wife has retired from a major oil company. We don?t worry about our finances much because I make pretty good money even though I only work 3 days per week. If we had not been normal during our thirties and only had the sense to do the simple things Dave teaches, we would have much more than the million we now have. We are very thankful for what we do have and thankful that we heard Dave and did what we did when we did it. Thanks Dave.

Building our dream life
Mon, 23 Aug 2010 11:25:54 CST

My husband and I got married August 15, 2009. We decided to do total money makeover when we got engaged ( a year ago) and really take responsibility financially as a couple. Almost a year later, we have paid off all our credit cards (~ 22,000) and paid for our wedding (~20000). We decided not to register instead we received cash gifts from our friends and family. That money helped us finish paying for some our debt, and wedding and finish baby step 2 and start on baby step 3. We will have finished our 6 month saving this year (Total saved $24,000) and start on our baby step 4,5,6. Once we finish baby 3 (October,2009), we will save to build our dream home without taking out any mortgage. We currently own and carry a mortgage on my husband's condo and my three family house. Hopefully, the market will get better next year that we could sell the condo. We will continue to pay and carry three family house since the tenets' rent helps offset the cost and as our investment. We are planning to save for next 5 years and hope to pay for our dream home in cash. Thank you Dave for your wisdom and inspiration.

Too Good to be True
Mon, 23 Aug 2010 01:05:41 CST

As I looked for a beater car I found a deal on a used 99 Honda Civic. 4500 dollars. You know if its too good to be true probably is. Paid in cash, so no debt but didn't inspect it now have about 1000 dollars worth of stuff to fix. I'll never do that again. Talk about Supid tax. Dave keep on preaching cause I still need teaching. Thanks

Dave Says - August 23, 2010
Mon, 23 Aug 2010 00:08:00 CST

My wife and I are getting close to retirement, and our 36-year-old son recently moved back in with us ...

Debt Free thanks to Dave!
Sun, 22 Aug 2010 09:24:35 CST

When we were first married almost nine years ago I tried to convince my husband to save money to purchase a car. He told me "We'll never be able to do that." Thanks to Dave, we have now purchased two vehicles for our family by writing a personal check instead of signing a loan! My husband first heard Dave on the radio in Kansas City shortly after we moved to Missourieight years ago. I reserved all of Dave's books from our local public library and we were hooked! Before Dave we had already taken some steps towards financial peace such as doing a budget, working part-time jobs and paying for my husband's master's degree without loans, but we really got gazelle intense when we had our daughter and I took a full year off from work to stay home with her. We joined FPU at our church and we were debt-free before my daughter's third birthday. Since then we paid for my master's degree in cash, gone on vacation multiple times, remodeled our bathroom, redecorated our bedroom, purchased a commuter car for my husband and a minivan for our family ... all with cash! Thanks to our emergency fund, emergencies are now simply inconveniences. Our budget enables us to give, save and spend within our means without the arguments and conflict that used to happen when credit cards, student loans and car payments dominated our bills. We purchased FPU junior for our daughter when she was four years old. She now earns a dime per chore around the house. She has given money to charities at her school and at church. She enjoys spending her own money when we go shopping and her piggy bank is filling up quickly with savings. Thanks to Dave, communication about finances has improved greatly around our home. As we work through the baby steps, we have a sense of accomplishment that we really can live like no one else (now and later)!

Baby Number 1 and Two "New" Cars
Sun, 22 Aug 2010 08:03:46 CST

Persistence and not being normal pays off! Last year, my wife and I were expecting the birth of our first child and we were ecstatic, until you looked at the vehicles we had and knew that a radical change in transportation had to take place. We were driving a 1999 Jeep Grand Cherokee and a 1999 Ford ZX-2 Sport. Not the kind of cars for loading groceries and a new baby into. We had to think fast, the baby was due in April. At the time, we were both plugging away at our credit card debt and everyone (including my parents) wanted us to take out a car loan and buy a minivan. I was determined to not get into debt for a vehicle. I am very proud of the fact that I am 31 and have NEVER had a car payment. I?d like to keep it that way. We sold my Jeep Grand Cherokee for $2,000 and immediately purchased a friend?s 2000 Dodge Durango for $2,000. We then sold my wife?s car for $1,600 to her brother and purchased my mother?s minivan for $2,000. It took some time and I have personally learned how to work and service both vehicles, but both of them drive great and for only $400 out of pocket. It is one year later and we are expecting number 2 in December. Both vehicles continue to get us where we need to go. Thank you Dave for teaching us that it?s okay to be unusual.

After a Decade of Debt- FINALLY LIVING!
Fri, 20 Aug 2010 10:32:16 CST

When my husband and I first heard about Dave Ramsey, we were over $15,000 in debt, not counting our home mortgage. My husband had also racked up $50,000 in debt, owed to his company. It was a nightmare! We tried to save money but we had so many bills that we could never get ahead. When Murphy's Law hit, I would cry myself to sleep at night worrying about where to get even $25 to pay a bill. Worst of all, I did all of the bill paying and my husband thought everything was "normal" about our way of living. We had cut back on everything and were living like paupers but still couldn't get ahead of the bills. From Lesson 1 of Financial Peace University I saw a change in my husband's views about money and we finally began to work as a team. We had our official last money fight during lesson 2. None since! Its been 6 months since the completion of the course. We have a consumer debt equaling ZERO and about $4,000 in savings/emergency funds. We also have negotiated a way to get rid of our company debt. We have our insurance in place and our retirement is looking sound. We look forward to completing a fully funded emergency fund and buying our next house on a 15 year loan (to be paid off of course!). We have told everyone we meet about the course and know that those who take this class will see their financial lives in a brand new light! Many THANKS to DAVE and his team!!!!

Priorities
Thu, 19 Aug 2010 05:19:16 CST

I took the Financial Peace course 2 years ago. I've made and stuck to a good budget and we have an emergency fund but I can't say that I've been "gazelle intense" about paying off my credit card debt. Given the current housing market and low interest rates, my husband and I have felt a lot of pressure to buy a house. This summer, we got some unexpected money that would've made a respectable down payment. However, we took another look at the FPU priorities and we decided to pay off all of our credit card debt instead. It feels great! Now all we have are student loans. I feel even more motivated to continue paying off the debt and moving on to Step 3.

Big Guy Little Truck
Wed, 18 Aug 2010 07:55:18 CST

I'm a big guy, 6'4" 380 pounds. Several years ago, I decided to buy a truck. I did not want to spend $700/month to pay for, insure, and fuel a vehicle to go to work in. I bought a 1990 Maxda pick up for $1000 cash. It has to be the smallest truck ever built! It gets 28 mph and I fit in it comfortably but, the paint is faded and it doesn't go much faster than 65 on the highway. I love my little truck and I keep it maintained, I spend less than $150/month including maintenance. When I go to work, I get to watch everyone go past, everyone. Sometimes they honk, even though I am in the slow lane all the way to the right. I think, they must laugh to see such a big guy stuffed in such a little truck. That's OK, I laugh every I fill up my little 12 gallon tank. I live like no one else so I can live like no one else!!!

We are almost there!!!!!!!!
Tue, 17 Aug 2010 11:59:33 CST

We began the Total Money Makeover about a year ago. When we started, my husband and I had about $15,000 in car debt, and $20,000 in student loans. We were only married about 6 months, and had purchased our first home. Man did we wish we had read the book before buying that house (especially since I found out I was pregnant soon after that)! Since we started the plan, we have paid off both cars, almost have my student loans paid off, and will have my husband's done in the next 12 months. Living debt free has allowed me to only work 1 day a week so that I can be home with our precious son. People always comment at my work that my husband must make SO MUCH MONEY since I only work 1 day, and that I am so lucky! That gives me the opportunity to tell them all about you Dave! We gave our family your book for Christmas, and it has changed all of their lives. Thank you! My husband and I will be helping lead Financial Peace University at our church this fall. We are so blessed that God lead us to you! We will still be in our 20's when we are debt free! Thank you!

Dave Says - August 17, 2010
Tue, 17 Aug 2010 00:08:00 CST

When, if ever, should your baby emergency fund be more than $1,000?

Timeshare woes
Mon, 16 Aug 2010 12:55:10 CST

We just made the last payment on our timeshare as part of our debt snowball. We bought this timeshare (and have been calling it our stupid tax since before discovering Dave Ramsey) in 2001. We have never used it...not once. We ended up moving away from the area it's in and have no reason to go back there. We spent $12,000+ on this and got no value from it at all. We are trying to sell it now for $1000, but I'll take $3 just to be done with it. Lesson learned: NEVER buy a timeshare. Thanks for your help though Dave, we are on the road to freedom and will get there next year!

Wish I knew about Dave before 2008
Sat, 14 Aug 2010 12:17:04 CST

We were the best at keeping up the Jones's and in 2008 we had an extra feeling of entitlement. We thought we were doing just as well as everyone else so we went on two or three vacations (paid cash but should have been paying off debt). We also bought two brand new cars with in four days (I had a perfectly good PAID for car-what was I thinking?). I'd say we thought we deserved all of this, my husband graduated from college and we were celebrating like no one else. We thought, who cares if we spend all of our money on trips and new cars... we pay our bills and we pay them on time - no money saved but we have credit cards to get us by if needed. It wasn't until August 2009 that we heard of the Total Money Make Over. Immediately we put our 130K income to work to become debt free. So far we've paid off the credit card, second mortgage, timeshare and quite a few medical expenses, and we're working toward paying off the cars now. Hoping to be DEBT FREE Feb 2011! We have made so many mistakes, I don't even know the total of my stupid tax. The one thing I do know, I am surely looking forward to living like no one else.

Procrastination costs $220.00
Fri, 13 Aug 2010 07:43:47 CST

My husband and I have been working the plan for almost a year now. We were looking for ways to save money so we decided to bundle the TV, Phone, and Internet. My husband canceled the TV account in his name. They sent him boxes w/ paid shipping to return the recievers. My husband said he would take care of it. Needless to say 60 days later there is a debit on our account for $220. So now we get to have an emergency budget meeting to refigure the plan for August. The best part is now when he sends them in they can't automatically refund our account. They have to issues a refund check taking 6-8 weeks for processing.

'Points' Card
Fri, 13 Aug 2010 07:16:30 CST

I purchased some nice cologne from a large chain here in Canada. After talking to the very friendly and helpful clerk, I asked for 2 because I really liked the smell :) She asked me if I wanted to sign up for the points card. It was a paper card and she said I'd save $20 just for signing up. I said ok! What harm could a 'points card do? I'll just throw it out later. She took my credit card and I paid for the purchase. A couple weeks later, a NEW credit card showed up with a $4,000 limit and the same total I paid for the cologne. I checked my own card and she didn't bill me! I returned to the store and after an hour on the store, I finally managed to have the card removed and the bill paid. A year later I called my bank to get approval for a mortage, they checked my credit history and this bill was still there! Again, I called the provided 1-800 number and FINALLY managed to get documented proof that I paid this off in full. WAY too much hassle for a mere 'points card' and $20 off....

My TV loan
Tue, 10 Aug 2010 03:31:49 CST

I received one of those checks in the mail from a local finance co. that said "here's your check - all you have to do is cash it!" I immediately called them to see if it was legitimate. They said yes of course. The terms were that it was an $1800 loan. They took their interest and fees out netting the check in the amount of $1485. Well I cashed it because I needed the money to pay some bills, so it came at just the right time.I was paying $120 per month and had it paid down to $1080. I decided that I wanted a new TV so I went to the finance company and borrowed $600 more. I had to give them info on my personal property of course. They then combined the loans together and with fees, interest, etc. I then owed $2700! I learned a hard lesson. I will never do that again! p.s. I didn't buy the TV with that money. I put the TV on a credit card! stupid stupid stupid!

Dave Says - August 10, 2010
Tue, 10 Aug 2010 00:08:00 CST

What's the best way to respond to a sibling who continually makes poor choices with money ...

The Kitchen Floor that Killed Me
Thu, 05 Aug 2010 09:28:49 CST

A year and a half into baby step two, we had a baby emergency fund in place and making significant progress in reducing debt, 40k to be exact. I received a $200 gift card from Home depot from my employer in June, we decided to use that to install a tile floor in the kitchen. Once we began the project, we realized it did not make much sense to install new floor when all the cabinets were rotten, nasty, and disinegrating. In the heat of the moment, we drained the e-fund, and opened a home depot card in order to completely remodel the kitchen..... On July 4th, as we work to finish up the remodel with no cash in the bank. The AIR CONDITIONER went out! I live in Texas! I had to write a check, then barrow the money from a parent....how embarassing at 34 years old. To add salt to the wound, I am stuck with credit card debt again. It will be a few months to mop this mess up, was the kitchen really worth it? Yes, it is nice, however was it a financially smart decision?...NO!

Dave Says - August 2, 2010
Mon, 02 Aug 2010 00:08:00 CST

I'm aout to complete Baby Step 3. I've been very intense about following your plan, but I was wondering ...

How to lose it all over $800???
Fri, 30 Jul 2010 12:07:36 CST

My sister's brother in law lived this story. He had a decent job, a nice used car, and a nice rented apartment. One day, he got stopped by police for speeding and got a $100 ticket. He was sooo mad- he never paid it. He got another one soon after, another one soon after that and a warrant for his arrest was placed within six months. He now owed $800 in tickets. With his big "I didn't do anything wrong" attitude he went about his business. Then one day he got stopped for a not stopping completely at a stop sign and since there was a warrant out for his arrest- what happenned? He got arrested. A day later family bailed him out. When he showed up for work his boss told him " I never heard from you so I hired someone else." He didn't make any money without a job so when rent came due? He got evicted from his nice apartment. Now he has a criminal record and is homeless. He is 60 years old!! So he lived with my sister for several months. Can't find good job and is doomed because he did not take responsibility for that simple first ticket. Talk about stupid life tax!!

Fees!? What fees?
Fri, 30 Jul 2010 03:49:12 CST

In 1997 when I was 18 and just joined the Air Force , I went to a local used car "dealer." I was quoted a price of $1200 for a used Geo Storm by one of the "dealers." (I'm 6'1", how cool did I look? Not very ask my wife) When I got to the dealership to pick up the car the price jumped to $1300 according to a different employee. I asked the new dealer what the extra $100 was for. He leaned over and wispered "Fees," as he was folding and stuffing my hard earned Mr. Franklin into his pocket. I was to scared or naive to ask for an invoice or receipt for these fees. The cherry on the sundae was two weeks after the purchase the water pump went out. That extra $100 would have come in handy. It cost me some money but taught me a valuable lesson. Don't be afraid to ask questions aloud if a dealer wispers your way.

Dave Says - July 26, 2010
Mon, 26 Jul 2010 00:07:00 CST

I'm 31, single, and I have two college degrees. I have no money to speak of, having just come through a rough patch of unemployment ...

Dave Says - July 19, 2010
Mon, 19 Jul 2010 00:07:00 CST

I have an idea for a small business I think is needed in my area. How do you feel about ...

DAVE RAMSEY MEETS FAN DEMAND WITH IPHONE APPLICATION
Wed, 14 Jul 2010 00:07:00 CST

Dave Ramsey, America?s trusted voice on money and business, announces the Ask Dave Ramsey iPhone App, a free application available for download from the iTunes Store.

Dave Says - July 12, 2010
Mon, 12 Jul 2010 00:07:00 CST

I agree that historically gold is an extremely volatile investment. But wouldn't it be a good idea to take advantage ...

Dave Says - July 6, 2010
Tue, 06 Jul 2010 00:07:00 CST

We have a special needs child, who will likely be under our care for the rest of her life ...

Dave Says - June 28, 2010
Mon, 28 Jun 2010 00:06:00 CST

My husband lost his job a few months ago. He's found another one since then, but we're still trying to re-build our finances ...

DAVE RAMSEY SIGNS CO-PUBLISHING AGREEMENT WITH SIMON & SCHUSTER?S HOWARD BOOKS
Wed, 16 Jun 2010 00:06:00 CST

Howard Books, an imprint of Simon & Schuster, Inc., has signed a two-book world rights co-publishing agreement with New York Times bestselling author Dave Ramsey. The first book, based on Ramsey?s EntreLeadership® principles, will be published in fall 2011.

?THE DAVE RAMSEY SHOW? ADDRESSES BUSINESS QUESTIONS LIVE FROM ATLANTIS
Tue, 27 Apr 2010 00:04:00 CST

NASHVILLE, Tenn. ? Friday, April 30, ?The Dave Ramsey Show? will broadcast live from Atlantis in the Bahamas as part of Ramsey?s EntreLeadership Master Series. To fit the theme of the event, this special broadcast will focus on small business questions from callers, e-mails and event attendees. The show airs live from 2p.m. to 5p.m. EDT.

DAVE RAMSEY TEACHES COLLEGE STUDENTS ABOUT MONEY
Tue, 16 Feb 2010 00:02:00 CST

Nationally syndicated radio talk show host and best-selling author, Dave Ramsey, announces his college curriculum, Foundations for Life & Money.

DAVE RAMSEY ANNOUNCES STOPS ON SPRING 2010 TOUR
Thu, 14 Jan 2010 00:01:00 CST

Nationally syndicated radio talk show host and New York Times best-selling author, Dave Ramsey, will present his common sense debt reduction and wealth-building strategies in five cities this spring.

CALLERS ELIMINATE 23 MILLION IN DEBT
Tue, 05 Jan 2010 00:01:00 CST

Callers to Dave Ramsey?s ?Debt Free Friday? shows eliminated $23,972,100 in 2009. On the ?The Dave Ramsey Show? on the Fox Business Network, callers paid off $7,871,200 while callers to the radio show of the same name eliminated $16,100,900.

MORE THAN 1 MILLION FAMILIES HAVE COMPLETED DAVE RAMSEY?S ?FINANCIAL PEACE UNIVERSITY?
Wed, 18 Nov 2009 00:11:00 CST

Financial Peace University (FPU), the 13-week program taught on DVD by Dave Ramsey has now helped more than one million families gain hope for their financial future.

To pay the house off
Thu, 29 Oct 2009 00:10:00 CST

Dave has a very good reason (three of them, in fact) for why the argument to keep your mortgage doesn't hold water.

How Dave got started
Wed, 28 Oct 2009 00:10:00 CST

A listener wants to know how Dave established himself as a financial counselor that people could trust.

Money basics
Tue, 27 Oct 2009 00:10:00 CST

Elizabeth asks how early you teach your kids about money and what are some basics to teach at a young age.

Two paycheck budget
Mon, 26 Oct 2009 00:10:00 CST

When the paychecks come at different times, Dave tells Josh to set a budget for THIS month, not the perfect month.

Insure the vacation
Fri, 23 Oct 2009 00:10:00 CST

A listener wants to know if Dave thinks it?s wise to buy trip insurance for a Hawaiian vacation.

Explain inflation
Thu, 22 Oct 2009 00:10:00 CST

Janine has a pretty basic question ... how does inflation work, and how can we stop it?

Knowing when to sell
Wed, 21 Oct 2009 00:10:00 CST

Josh wants to know when he knows that it's time to get out of his car loan.

Aging while investing
Tue, 20 Oct 2009 00:10:00 CST

Linda and her husband are getting up there in years, and want to know where they should put their 401k money.

Reveal their intentions
Mon, 19 Oct 2009 00:10:00 CST

Lisa wants to have an educational savings account for her kids to go to college, but she wants them to have a hand in paying for it, too.

Want to help dad
Fri, 16 Oct 2009 00:10:00 CST

Jeremy can't be an enabler and continuously bail his father out of financial problems. Dave says there's a lesson for dad to learn.

DAVE RAMSEY NAMED NETWORK/SYNDICATED PERSONALITY OF THE YEAR
Fri, 25 Sep 2009 00:09:00 CST

Dave Ramsey of The Lampo Group was named Network/Syndicated Personality of the Year at the 2009 National Association of Broadcasters' Marconi Radio Awards.

"THE DAVE RAMSEY SHOW" COMES TO LOS ANGELES
Wed, 09 Sep 2009 00:09:00 CST

"The Dave Ramsey Show" has joined the line-up on KFWB 980 AM Monday through Friday from 9p.m. to midnight PDT.

$54,000 In 17 Months!
Tue, 18 Mar 2008 00:03:00 CST

In total, we paid off $54,000 in 17 months! 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!
Tue, 18 Mar 2008 00:03:00 CST

Dave, I did it!!! As a single father of 2 wonderful boys (ages 5 & 7), I thought it would be impossible, but 24 months later... I'M DEBT FREE!!!!!

I Can't Wait to Lead My Own Class!
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!
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!
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
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!
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
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
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!
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."