Contains solid, common-sense advice that anyone can use to get the most out of their money.

Here is the ideal financial resource for students, recent graduates, newlyweds, young professionals, single parents, the recently divorced, recent retirees, and anyone seeking to take charge of their finances. If most or all of your paycheck seems to disappear by the time your monthly expenses are paid or you are in serious debt this book will help you. Millions of people are living paycheck to paycheck with little or no savings and no game plan for changing their financial predicament. This book, with contributions from real financial experts, is for every one of them! It is an easy-to-read, straightforward, information-packed book for the financially unsophisticated that offers step-by-step directions and dozens of strategies for: Developing and implementing a custom-tailored budget Setting and achieving personal and family financial goals Cutting everyday living expenses Reducing and eventually eliminating debt Saving money every month Earning more money Planning for the future

Do you want to build a budget that actually works for you? Are you ready to transform your relationship with money? This New York Times bestseller has already helped millions of people just like you learn how to develop everyday money-saving habits with the help of America's favorite personal finance expert, Dave Ramsey. By now, you've already heard all of the nutty get-rich-quick schemes and the fiscal diet fads that leave you with a lot of quirky ideas but not a penny in your pocket. If you're tired of the lies and sick of the false promises, Dave is here to provide practical, long-term help. The Total Money Makeover is the simplest, most straightforward game plan for completely changing your finances. And, best of all, these principles are based on results, not pie-in-the-sky fantasies. This is the financial reset you've been looking for. The Total Money Makeover: Classic Edition will give you the tools and the encouragement you need to: Design a sure-fire plan for paying off all debt--from your cars to your home and everything in between using the debt snowball method Break bad habits and make lasting changes when it comes to your relationship with money Recognize the 10 most dangerous money myths Secure a healthy nest egg for emergencies and set yourself up for retirement Become financially healthy for life Live like no one else, so later you can LIVE (and GIVE) like no one else! This edition of The Total Money Makeover includes new, expanded "Dave Rants" that tackle marriage conflict, college debt, and so much more. The Total Money Makeover: Classic Edition also includes brand new back-of-the-book resources to help you make The Total Money Makeover your new reality.

Your Guide To Financial Freedom: How to Stop Living From Paycheck to Paycheck We all work ourselves silly, doing everything in our power to earn a living. We do all that in the hope that we will somehow create a strong financial base that will see us becoming financially free where we can start living life on our terms. Unfortunately, this is just but a distant dream for many of us. In fact, living from paycheck to paycheck is the norm for a huge percentage of people. It sucks not to be able to have any money left for taking care of emergencies, saving, investing and lots of other things that require proper financial planning to pull them off like having enough money put down for our mortgage, a vacation etc. And the sad part is that while we know that this is the wrong path to follow, we feel somewhat trapped because even when we are so psyched up to take charge of our financial life, we just find ourselves going back to the financial life we are trying to run away from. The situation seems helpless especially when bills seem to pile up uncontrollably to a point where the paycheck is just not enough month in month out. What then can you do? Are you tired of living paycheck to paycheck and being literally a sickness/job loss or tragedy away from being homeless? Are you scared that you are not saving enough, you are increasingly accumulating consumer debt, your credit score is nose-diving and can't seem to find a way out of the cycle of living paycheck to paycheck? If you are and want a way out, this book is for you. In this book, you will: Build your understanding of the life of living paycheck to paycheck Learn how to make your paycheck-to-paycheck way of life to take a U-turn Learn how to automate your savings and un-automate your spending Learn how to start incorporating cash spending into your life Learn how to move past the beginner level and plant your financial feet on firm ground by creating a budget and calculating your monthly cash flow Learn how to reduce the waste in your budget Learn how to reduce your overall spending Learn how to pay off your debts Learn different strategies you can use to earn more money and get closer to financial freedom And much, much more! If you are excited about learning how to take charge of your finances, stop living paycheck to paycheck and attain financial freedom, download this book now. You will be glad you did.

The bestselling mother/daughter coauthors of "The Two-Income Trap" now pen an essential guide to the five simple keys to lasting financial peace.