In Dave's New York Times best-seller, he lays out seven organized, easy-to-follow steps that will lead you out of debt and into a total money makeover.
17 Best Books on Budgeting, Saving Money, Frugal Living, and Ending Debt
This downloadable MP3 format means no shipping and no waiting. Plus, you'll hear over 50 real-life stories from people just like you who have followed these principles and are now winning with their money. Chris Hogan is a two-time 1 national bestselling author, dynamic speaker and financial expert. For more than a decade, Hogan has served at Ramsey Solutions, spreading a message of hope to audiences across the country as a financial coach and Ramsey Personality. Hogan challenges and equips people to take control of their money and reach their financial goals, using The Chris Hogan Show , his national TV appearances, and live events across the nation.
The Dave Ramsey Show is heard by more than 16 million listeners each week on more than radio stations and digitally through podcasts, online audio streaming and a hour online streaming video channel. The total delivery time depends on the service you chose and where your order is being delivered. You may see multiple shipping options to choose from during checkout. Our default choice will always be the most economical, but not necessarily the fastest.
To get your downloadable product, simply complete your order and then open the order confirmation email you will receive at checkout. Click on the link in your confirmation email and your audiobook will begin to download. Why is reducing expenses important? Three reasons. First, it can free up more money in your budget so you're less inclined to rely on credit cards or loans to cover spending gaps.
Second, if you have debt, adding extra money back into your budget can help you pay it off faster.
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And third, having extra money can help you boost your emergency fund or grow retirement savings. Even after creating a sound budget and cutting unnecessary expenses, you may still find yourself with lingering debt to get rid of. Getting out debt becomes even more difficult when you're facing a high interest rate on credit cards or loans. One of the most important steps in getting out of debt is to pay more than the minimum amount due each month.
1. Money Under 30
Even a modest credit card balance can take over a decade to pay off if you simply pay the minimum amount due because of interest and finance charges. That could end up costing you thousands of dollars that could be better used towards savings. Giving the snowball method a try, or looking into a credit card balance transfer, could help you get out of debt sooner.
With fewer companies offering full pension plans and the uncertainty of Social Security , it's become more important than ever to save and plan for your own retirement. That, however, can be costly if you delay saving until later in life because it means missing out on the power of compound interest.
Retirement savings needs to become a priority instead of an afterthought. The Internal Revenue Service has made saving for retirement even more attractive with special tax-advantaged accounts such as employer k plans, individual retirement accounts and special retirement accounts for the self-employed.
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