The 7 Day Financial Makeover

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.

This isn’t your father’s personal finance book. The way we currently save and invest is confusing, frustrating, and quite simply doesn’t work. Get ready for a personal finance book that is actually unique. Get ready for financial strategies that you’ve never seen or heard before. Get ready to transform your financial life in less than a week! Robert Pagliarini has taken budgeting, investing, insurance, and retirement planning—subjects that most of us find stressful and overwhelmingly complex—and made it approachable and even manageable through his unsinkable optimism and relentless simplification process. He says, “We’re going to take the pie-in-the-sky theories and turn them into bite-size pieces that you can and will be able to implement in your life immediately.” THE SIX DAY FINANCIAL MAKEOVER does a lot of things really well, but I’ll just tell you about three. First and foremost it actually provides advice—yes, real advice. Not wishy-washy “maybe you should do this” or “it all depends on your situation” nonsense (what Robert calls “financial fog”). Second, it has an action bias. No, not really a bias, more like a mantra. Implement, implement, implement is the theme in every chapter and on every page (there’s even a patent-pending free website at "Six Day Financial Makeover" readers can use to help them take the advice they read and incorporate it into their lives). Three, it is full of brand-new, never seen before financial shortcuts and strategies such as: Why your seven year old is a better investor than you are. Kids intuitively understand how to save and invest better than most adults. The trick is focus and creating separate physical accounts for the myriad goals we have. There is no “right” way to invest. What’s crucial is that people determine their investment personality – particularly how involved they want to be with investing – and let that be their guide. Disregarding one’s investment personality and pursuing an approach that’s not compatible with it is a recipe for disaster. Why you shouldn’t work for a paycheck. Most of us work to earn a paycheck, right? Well that’s the wrong way to think about work. Once we can align our life’s vision and deepest goals to our income, we start to see our purpose for waking up each morning entirely differently. Work is no longer work—it becomes a catalyst that helps us achieve our goals. The most important thing you should save for (and it’s not retirement!). What’s more important and more satisfying than retirement? Financial independence. Discover how many days your passive income could support your lifestyle (if your score is less than 31, don’t quit your day job). The more information and choices you have, the worse your finances will be. There are more financial books, magazines, journals, newspapers, radio shows, TV shows, web sites, Podcasts, and free information available today, yet most of us still feel completely overwhelmed, confused, and frustrated than before. The solution is to cut through the fluff and focus on what really works. Budgets don’t work. Instead, Robert offers a ten step process for taking control of one’s cash flow. While there is careful assessment and prioritization involved, budgets are nowhere in sight. If it’s not possible to save for a child’s education and for retirement, save for retirement first. While retirement may be farther off in the future, if people don’t save today, they’ll have no options tomorrow – whereas college students have financial aid, scholarships, and student loans at their disposal. And a whole lot more… Offering clear, practical, no-nonsense advice along with all the tools needed to implement it, THE SIX-DAY FINANCIAL MAKEOVER is a comprehensive guide that delivers on Robert’s promise to revolutionize the way you think about and invest your money.

A financial advisor offers a simple, affordable, and effective approach to financial planning designed to help readers transform their finances in order to organize, invest, save, and accomplish one's goals.

Does fear and insecurity keep you from looking at your bank account? Is your financial anxiety holding you captive? You don’t have to stress about money anymore. YOU can take back control. As a newly divorced single mom making $24,000 per year and facing down $77,000 in debt, Kumiko Love worried constantly about money. She saw what other moms had—vacations, birthday parties, a house full of furniture—and felt ashamed that she and her son lived in a small apartment and ate dinner on the floor. Worse, when her feelings began to exhaust her, she binge-shopped, reasoning that she’d feel better after a trip to the mall. On the day she needed to pay for a McDonald’s ice cream cone without her credit card, she had an epiphany: Money is not the problem. Self-Doubt is the problem. Shame is the problem. Guilt is the problem. Society’s expectations for her are the problem. She is the solution. Once she reversed the negative thinking patterns pushing her toward decisions that didn’t serve her values or goals, her financial plan wrote itself. Now, she’s not only living debt-free in her dream home, which she paid for in cash, but she has spread her teachings around the world and helped countless women envision better lives for themselves and their families. Now, building on the lessons she’s taught millions as the founder of The Budget Mom, she shares a step by step plan for taking control back over your financial life—regardless of your level of income or your credit card balance. Through stories from navigating divorce to helping clients thrive through recessions, depression, eviction, layoffs and so much more, you will learn foundational practices such as: How to use your emotions to your financial advantage, instead of letting them control you How to create a budget based on your real life, not a life of self-denial How to create a motivating debt pay-off plan that makes you excited about your future, instead of fearing it My Money My Way will give you the tools to align your emotional health with your financial health—to let go of deprivation and embrace desire. Love’s paradigm-shifting system will teach you how to honor your unique personal values, driving emotions, and particular needs so that you can stop worrying about money and start living a financially fulfilled life.

A top allergy specialist provides a simple holistic program that helps a broad range of allergy sufferers heal themselves naturally. THE 7 DAY ALLERGY MAKEOVER is written for people who want to take an active role in their own healing. The book lays out action-oriented, step-by-step instructions on uncovering the root cause of allergies, and makes simple but specific changes that can stop allergy symptoms from recurring. What began as a mother’s desperation to save her son has led to a comprehensive program that helps a broad range of allergy sufferers heal themselves naturally. As an allergy specialist, Dr. Susanne Bennett sees roughly 100 patients a week, from children to movie stars. They come to her after exhausting every resource: doctors, medicines, creams, shots, you name it. They suffer from hives, sneezing, headaches, asthma, muscle aches, swelling and digestive problems, and more. THE 7 DAY ALLERGY MAKEOVER, based on 23 years of Dr. Bennett’s clinical experience, is an easy-to-implement and transformational plan for eliminating allergies from your life forever. Each chapter in THE 7 DAY ALLERGY MAKEOVER focuses on a different aspect of health and environment for a person suffering from allergies--nutrition, air quality, living environment, water, body hygiene, and emotional and mental stresses.

Over half of Millennials are freaked out by their finances. Luckily, with Millennial Money Makeover readers now have a guide to help them navigate the financial issues of their time. Certified public accountant Conor Richardson offers a refreshingly helpful and elegantly designed program to tackle essential money matters. Millennial Money Makeover takes readers on a six-step journey to transform their financial life and set them up for lifelong success. From learning how to pay off student loans insanely fast to optimizing a financial ecosystem, Millennial Money Makeover teaches readers how to reclaim their financial future and jump-start the path to the rich life. Built for readers in their twenties and thirties, this book gives Millennials a proven playbook. Learn new hacks like how using robo-advisors can increase your returns and how leveraging delayed gratification when buying your first home can save you thousands. Whether you are planning a passion budget, figuring out how to finally purchase that big-ticket item, or thinking about taking your first dip into investing, Conor will show you the way.

From one of the worlds most trusted experts on personal finance comes a "route planner," identifying easy moves to get young people on the road to financial recovery and within reach of their dreams.

Dave Ramsey explains those scriptural guidelines for handling money.

Americans young and old are flunking their finances. A shocking 77 percent live paycheck to paycheck with no savings. And 43 percent of Americans have less than $10,000 saved for retirement, while 49 percent could cover less than one month's expenses if they lost their income. In the face of this bleak financial picture, bestselling author and finance expert Mary Hunt offers 7 Money Rules for Life®. This no-nonsense and encouraging book gives readers the keys to get their money under control and get prepared financially for the rest of their lives. In her warm and engaging style, Hunt takes everything that she's learned over the past twenty years and boils it all down. Presented in a conversational style and readable in a weekend, this book offers applications for each of the seven rules as well as practical advice for how to recover from past financial mistakes. These simple, unchanging, basic rules work in every financial situation, for every income level, and for every stage of life. Money mastery isn't really that hard. 7 Money Rules for Life® can help readers change their futures from uncertain to rock-solid with principles they can apply right away.