Credit Debt Cures - Has anyone tried the Dave Ramsey Money Makeover and does it work?

Has anyone tried the Dave Ramsey Money Makeover and does it work?

A friend lent me the book and i am starting to read up on it but i have never personally met or spoken to anyone who has completed the program.. I saw it on oprah and it sounds great but.... I want some real feedback...not a few hand picked people who really did it. If you have please let me know.

Public Comments

Yeah it will help makeover your wallet to be much thinner. All of those clowns who pimp their garbage just toss a bunch of simple sounding stuff at you... "Just go buy three houses in your neighborhood with no money down. Then sell them later for more money!!!"
It's amazing. In the past year, we've saved up for a house AND paid off all of our debt. Now we're owning a house and not living paycheck-to-paycheck. It's a great way to get on your feet AND learn how to manage money.
I am on baby step #2. It is amazing how much money I am able to save with this program. I feel like I have so much more control over my finances. It is not a difficult program and so much of it is common sense. If you can find a way to listen to his radio show-do it and you will not even question his motives. It is tough but worth it in the end
Of course it will work if you follow it. I knew a woman who was teaching the course... she of course immediately went out and bought new cars and then was always complaining about debt. Any of those plans will work but you have to work it and really follow through. He's good and has plenty of practical advice. Suze Orman is good too. I really like Clark Howard when it comes to saving money. Good luck you get out what you put in.
The Total Money Makeover absolutely works! I highly recommend it. The book basically teaches two concepts. It shows you how to live on a budget and beat debt. Once you have those concepts down, it's like you just gave yourself a raise. I make less than $30K a year and because of his system, I'm debt-free and don't have any worries about money.
Yes, it is wonderful. But it requires two main things, hard work and common sense. I am 28 and have no debt outside my mortgage, a nice size emergency fund, and am saving 15% of my gross income towards retirement and about to start college funds for my 2 children. It is a very empowering system, you just have to be disciplined.
We are on his plan now. it works because its common sense. Nothing more. Nothing less. Its just simple common sense.
His program is great! As everyone else said, you need to work the program for it to work. (Kind of like dieting, you need to put down the snickers bar and pick up the veggies to loose weight!) It is very much common sense and his book is easy to follow and so are the steps! Once you get through baby step 2 it is so freeing!!
I did it and it was great! I did work a lot of hours at 2 jobs for 3 years, but I owe nothing but my mortgage. Paid off 2 cars, bought 2 new WITH CASH, a boat, put my daughter through private school, and don't have debt. When problems pop up, we are ready. All for the price of $49! The first poster obviously doesn't know that Dave Ramsey is there to help, but still has a company to run. For the small prices he charges for the program (AND WITHOUT THE SALES PUSH TO BUY MORE "STUFF"), $49 is a low price to teach you common sense and how to gain piece of mind!!! He doesn't accept credit cards as they are the greatest drain on personal finances!!! Check, cash, or debit card only. He practice what he preaches!