Free copy of Dave Ramsey’s More Than Enough

If you’ve been reading my blog for long, you know that I’m a big Dave Ramsey fan. Right now, you can get a FREE copy of his book More Than Enough! (You do have to pay $5.95 for shipping, but the list price on this book is $16, so this is still a great deal!) Enter the code enough at check-out to take advantage of this offer!

Here’s some information about this book (from the site):

Dave presents the 10 keys necessary to creating a financial plan that fits your income and creates wealth. Values, goals, patience, discipline, and giving back to the community are some of these essential steps to creating prosperity, living debt free, and achieving marital bliss around the issue of finances.

More Than Enough will teach you:

  • How to create a budget that fits your income and creates wealth
  • What finances and romance have to do with one another
  • What role values play in your financial life
  • How to retire wealthy in every way
  • And much, much more

I’m excited to add this book to our “collection.”

Start your New Year’s Resolution Early: HOT Dave Ramsey offer!

I have read several Dave Ramsey books, but in March, my husband and I took his Financial Peace University class together and it was life-changing for us. We are now on a cash-only system, have made a lot of progress in paying down our debt (although we still have a ways to go), and our ability to communicate about finances has improve so much!

If getting your finances under control is one of your New Year’s resolutions, get a jump start and check out this offer. Right now, Dave Ramsey is offering a Total Money Makeover package for $89.95. The package includes the following items:

*One year membership to
*The Total Money Makeover book
*Deluxe Envelope System
*The Total Money Answer book
*6 Dave Ramsey Show Theme Hour MP3s
*3 Month eVoucher to My Total Money Makeover

The total retail value of all of these items is $268! You also get free shipping! You can check out this offer here (FYI ~ you can only pay for items on Dave’s site using a debit card)

Thrifty Thursday: Our first vacation on the Dave Ramsey plan

I guess if we were COMPLETELY following the Dave Ramsey plan, we wouldn’t have gone on vacation at all because we’re only on “Baby Step 2” which is the debt snowball phase, but I have great memories of family vacations growing up and I think it’s important to have those same experiences with my kids. Plus, we have season passes to Sea World that we had purchased prior to starting our Dave Ramsey plan and I couldn’t let them go to waste!

In addition to the fun that we had together as a family, one of the great things about this trip was that we paid for it entirely using cash and we managed to come home with $140 in cash!! In the past, when we have gone on vacations, we had a great time, but we would come home knowing that we had overspent and dreading that credit card bill. This time around, the only thing we were dreading was having to catch up on laundry.

Here are a few tips for helping you stay within your budget on a vacation:

*Check out Ebates – I’ve been an Ebates user for over a year now, but I didn’t realize that you could also book hotels through the site until recently. They have links for a number of popular hotel chains including Best Western, Choice Hotels, Holiday Inn, Marriott, and Wyndham Hotels and the cash back is typically between 1-3%. They also have links for a number of popular discount travel services such as Priceline, Orbitz, Hotwire, and as well as links for a number of airlines such as Southwest Airlines and Delta Airlines.

*Invest in gift cards – We bought gift cards to pay for our hotel from a local grocery store and earned discounted gas for doing so. You can also earn gift cards for air travel from Swagbucks (Delta and US Airways miles and Southwest Airlines gift cards). In addition, check out and to earn gift cards for popular restaurants. We used a number of gift cards that I had earned from various websites to help offset the cost of meals.

*When choosing a hotel, look for locations that offer a free breakfast or have kitchens in the room. This also helps to cut down on out of pocket expenses for food. If your room has a kitchen, visit a local grocery store and at least prepare basics like breakfast and sandwiches on your own to save money.

*Take your own snacks. We have young kids, so snacks were a must have. We took a cooler with fruits and vegetables and our room had a small refrigerator. We also had crackers and other snack items. If you are visiting an amusement park or other attractions, check on their policies beforehand to see what kind of food you can take in with you. I took fruit, crackers, and juice boxes (for some reason at Sea World, you’re not supposed to take the straws in) in a backpack to keep the kids going until we left for lunch.

*Consider season passes or city passes to maximize savings. Check out this article here for more information.

For more ideas about how to have summer fun on a budget, check out these articles here.

Thrifty Thursday: Our first month on the "Dave Ramsey" plan

We are finishing up our first month on “the Dave Ramsey plan.” If you are not familiar with Dave Ramsey, he recommends using a “cash only” system. We actually started taking the Financial Peace University class at a local church about six weeks ago, but we went to a cash based system at the beginning of April.

At the beginning of the month, we put together a budget and funded envelopes for the following categories (I’m sharing our categories because some people have asked about it): restaurants, groceries, clothing, babysitter, miscellaneous/toiletries, gifts, pet care, entertainment, auto care/maintenance, medical co-pays/prescriptions, lawn care, “blow money” (money each of us gets to spend, no questions asked). All of our other bills were paid out of our checking account. We decided that I would continue to use the debit card for gas for convenience sake (it’s not like you can really impulse buy/overspend at the gas station unless you go inside). My husband gets reimbursed for gas and work-related expenses and this fluctuates from month to month. We weren’t sure how to handle that, so we went to Dave’s site and read up on it and he recommends creating an expense account where you deposit your monthly expense check. We actually had a checking account that we had opened when we were first married but don’t really use anymore, so he has been using that for his business-related expenses and it has worked out beautifully!

Last night, we were talking about our budget for May and going through all of our envelopes and we realized that we had $78 in cash left. This may not seem like that big of a deal to some, but for us it was huge. In his class, Dave Ramsey talks about how people tend to spend 12-18% more when they are using plastic, even if it is a debit card, and I guess he was right! We were a lot more conscientious about our spending when we were using cash.

We were also able to pay off 5 credit cards in full this month, which was a great feeling.

The best part is that there has been so much peace in our home!

I have read several Dave Ramsey books, but taking the class has made such a difference. We paid $99 for a 13 week class which also includes child care and my husband and I both agree that it was money that was well spent. You can also buy the “kit” and do it from home, but I think that doing it with a group of people makes a huge difference. To find out if there are classes in your area, click here. In case you’re wondering, I get nothing for “endorsing” this program, but I believe in it and I’m so grateful for all of the changes that it has brought into our home after just one month!