We have been following Dave Ramsey primarily. But reading other material as well. I am also hooked on Wise Bread... it provides a lot of encouragement for the long haul! :)
No one disputes that exercise - weight, cardio etc. is good for you, but if you're on a budget, it's defintely worth asking yourself whether it's strictly necessary to go to the gym or not. The hidden costs really add up - travelling time, fuel, getting changed, chatting time, purchasing drinks and snacks, stopping off at the shop afterwards, little indulgences to reward yourself etc.
Hey all you people who are so negative need to lay off!!! It's a home spa treatment article with info on how to do it so if your not into doing the spa treatments at home then don't read articles on it just to be so negative this is valuable information for some people and people like you are the reason why others are to afraid to even put out things like this so lay off and just go to the spa instead if being rude. TO THE PERSON WHO WROTE THIS I really appreciate you taking the time to write it it's very useful an helpful please don't listen to anyone being negative.
I love Dave Ramsey. Next I've gotten my BEST advice on money from my Grandfather who was a mayor & farmer durring the Great Depression. How he kept the town running and fed the poor on next to nothing is amazing. He had a barter system set up where farmers traded produce or anything from the farm for "free labor" in the fields or for goods at the store. The poor "worked in the fields", swept streets, voluntered at hospitial etc...to get food & clothing. The store keeper loved getting fresh milk & farm items to resale for trade for overalls, tin pans etc.
Paul Merriman. I read his book, "Living It Up Without Outliving Your Money," before the Great Recession. I followed his advice for my retirement savings, stuck with it through the recession, and ended up in great shape.
How much does Dorsett make? I ask because 90% of Americans cannot afford three parts of your plan, much less six tiers. If she made an outstanding salary like 100K, after taxes she would have 70K after 401k, $47K, after IRA, $40.5K. Now she has 3416 per month to save a two year emergency fund, so let just take $500 per month for that, she is left with $2916 to live on. How do you expect her to live a nice life on $3k per month? I mean she could move to Meridan, MS and get shanked while walking her dog in the morning and her sweet ran down, termite infested 100 year old house robbed at night. Well, lets break down the $2916 per month. Car w/fuel, insurance, maintenance, etc $500. Home, plus termite treatments and metal bars $700, utilities, Tv, interwebs, water, maintenance, $500 easy. Food $300. we are down to $916. At her age, doctor bills, prescriptions, unexpected expenses for house, car, body, insurances (life, homeowners, flood).....we are in way the negative.........I hope she does not like enjoying life too much. American Dream, right?
This assumption that all Americans are well off needs to stop. Both the Govt and most liberals seem to think everyone is "living the dream" when in all actuality, they are barely getting by. This assumption is destroying this country because we are now basing policy off this falsehood. 17 Trillion in debt, ObamaCare, and if Democrats when the House in mid-terms you will see amnesty for 15+ million people and no telling what other un-read trillion dollar bills will be passed. The problem with amnesty is that we have a culture of leeching of others, not trying to work hard and build a great life. Read that sentence again, let it sink in, because it is true. No, not all of the immigrants will leech, but more will than the rest of the immigrants combined taxes will be able to cover...hence, more debt on our backs propping up millions of people.
While most WSJ readers will be bashing me, I am a realist. The people that all this legislation I speak of ARE NOT affected by it. They criminals are not moving into their neighborhoods, right Howard Stern, Matt Damon, and George Clooney? The added "taxes" are not affecting you either, are they? Your $500 million per year salary can afford a few thousand more taxes a year, the other 90% can't. I can't. I also do not get to express my flawed and biased opinions to millions like you celebs, so here it is on WSJ. Are the drug dealers moving onto your block? If you want to give taxpayers money to everyone, why don't you give a few of your mansions away, give out your money....I tell you what, keep 60K per year and one house, give the rest up, do not expect everyone else that barley gets by to flip the bill......long as it is not YOUR wealth, right? As long as it it is not your kids living and going to school around the drug dealers, right Matt? Let me guess, your argument is "you worked for your wealth,"
GUESS WHAT, 48% of Americans today are trying to do the same, but we will always be Middle Class. We will never be celebs or millionaires, so stop taking from us.
People are finally seeing the light and the BS spewed out this Administration (if you don't see the lies, you are f'ing stupid) and I appreciate the Republicans standing up for what this country was....WAS. Work hard, raise a family without fear of drugs and abduction, etc. Lead your own way, not leech of others (the culture of this century.) I do believe all americans should have healthcare, they just did it ALL WRONG, and the timing could not be worse....Isn't it "un-american to raise the debt trillions" Mr. Obama. Just another line of BS, right?
What happened to America? That is the question everyone will be asking in 10-30 years. Answer, it committed suicide, killed by Americans.
What this country was built upon is now the enemy. Capitalism, hard work, a strong family foundation, education, military.....all enemy and held hostage by liberals, and now successfully setup to be perceived as wrong and criminal. Leeching and free everything is the new American way to succeed. This is suicide.
I can't say I have a favorite. I read a lot of financial blogs. Probably not considered a financial guru, but Cindy from livingrichwithcoupons.com has helped keep my food budget way down!
I love Dave Ramsey, for the reasons that others have mentioned. Also, even though she focused more on ways to save money rather than personal finance, Amy Dacyczyn of the Tightwad Gazette is one of my favorites - I reread my copy of The Complete Tightwad Gazette whenever I need some fresh inspiration to live frugally.
I like Larry Winget. The no holds barred guy that makes you KNOW that you are poor because you want to be. He sold blood to pay his mortgage back in the day. He really let you know that he went through it all and made it out ahead, and you can too.
I read Ramsey's book and it really made sense to me. I don't have any gurus that I particularly like. I read over 100 financial blogs and any book that comes my way and there's a wealth of information in any of these places.
I like Liz Weston a lot - great advice that is straightforward and practical. My mom is actually a bit of a personal finance guru. She offers advice with a sense of humor.
I live in an area with dozens of thrift shops, some are nationally recognized and some are local. I delight in not paying taxes, our local sales taxes are high. Some thrift shops have higher prices than I would pay at department stores. So I have an idea in my head of what I would be willing to spend ahead of time. It is easy to buy things you don't need because some prices are so low. We have found hundreds of excellent items at very affordable prices. I go there if I'm feeling like spending money. I usually don't spend more than ten dollars, and I feel it is going to a good cause. Also, I donate to these same organizations, sometimes the same items I purchased.
We have been following Dave Ramsey primarily. But reading other material as well. I am also hooked on Wise Bread... it provides a lot of encouragement for the long haul! :)
i don't really have one
No one disputes that exercise - weight, cardio etc. is good for you, but if you're on a budget, it's defintely worth asking yourself whether it's strictly necessary to go to the gym or not. The hidden costs really add up - travelling time, fuel, getting changed, chatting time, purchasing drinks and snacks, stopping off at the shop afterwards, little indulgences to reward yourself etc.
Hey all you people who are so negative need to lay off!!! It's a home spa treatment article with info on how to do it so if your not into doing the spa treatments at home then don't read articles on it just to be so negative this is valuable information for some people and people like you are the reason why others are to afraid to even put out things like this so lay off and just go to the spa instead if being rude. TO THE PERSON WHO WROTE THIS I really appreciate you taking the time to write it it's very useful an helpful please don't listen to anyone being negative.
I love Dave Ramsey. Next I've gotten my BEST advice on money from my Grandfather who was a mayor & farmer durring the Great Depression. How he kept the town running and fed the poor on next to nothing is amazing. He had a barter system set up where farmers traded produce or anything from the farm for "free labor" in the fields or for goods at the store. The poor "worked in the fields", swept streets, voluntered at hospitial etc...to get food & clothing. The store keeper loved getting fresh milk & farm items to resale for trade for overalls, tin pans etc.
Paul Merriman. I read his book, "Living It Up Without Outliving Your Money," before the Great Recession. I followed his advice for my retirement savings, stuck with it through the recession, and ended up in great shape.
I don't follow any gurus or experts, I just read a bunch of blogs.
How much does Dorsett make? I ask because 90% of Americans cannot afford three parts of your plan, much less six tiers. If she made an outstanding salary like 100K, after taxes she would have 70K after 401k, $47K, after IRA, $40.5K. Now she has 3416 per month to save a two year emergency fund, so let just take $500 per month for that, she is left with $2916 to live on. How do you expect her to live a nice life on $3k per month? I mean she could move to Meridan, MS and get shanked while walking her dog in the morning and her sweet ran down, termite infested 100 year old house robbed at night. Well, lets break down the $2916 per month. Car w/fuel, insurance, maintenance, etc $500. Home, plus termite treatments and metal bars $700, utilities, Tv, interwebs, water, maintenance, $500 easy. Food $300. we are down to $916. At her age, doctor bills, prescriptions, unexpected expenses for house, car, body, insurances (life, homeowners, flood).....we are in way the negative.........I hope she does not like enjoying life too much. American Dream, right?
This assumption that all Americans are well off needs to stop. Both the Govt and most liberals seem to think everyone is "living the dream" when in all actuality, they are barely getting by. This assumption is destroying this country because we are now basing policy off this falsehood. 17 Trillion in debt, ObamaCare, and if Democrats when the House in mid-terms you will see amnesty for 15+ million people and no telling what other un-read trillion dollar bills will be passed. The problem with amnesty is that we have a culture of leeching of others, not trying to work hard and build a great life. Read that sentence again, let it sink in, because it is true. No, not all of the immigrants will leech, but more will than the rest of the immigrants combined taxes will be able to cover...hence, more debt on our backs propping up millions of people.
While most WSJ readers will be bashing me, I am a realist. The people that all this legislation I speak of ARE NOT affected by it. They criminals are not moving into their neighborhoods, right Howard Stern, Matt Damon, and George Clooney? The added "taxes" are not affecting you either, are they? Your $500 million per year salary can afford a few thousand more taxes a year, the other 90% can't. I can't. I also do not get to express my flawed and biased opinions to millions like you celebs, so here it is on WSJ. Are the drug dealers moving onto your block? If you want to give taxpayers money to everyone, why don't you give a few of your mansions away, give out your money....I tell you what, keep 60K per year and one house, give the rest up, do not expect everyone else that barley gets by to flip the bill......long as it is not YOUR wealth, right? As long as it it is not your kids living and going to school around the drug dealers, right Matt? Let me guess, your argument is "you worked for your wealth,"
GUESS WHAT, 48% of Americans today are trying to do the same, but we will always be Middle Class. We will never be celebs or millionaires, so stop taking from us.
People are finally seeing the light and the BS spewed out this Administration (if you don't see the lies, you are f'ing stupid) and I appreciate the Republicans standing up for what this country was....WAS. Work hard, raise a family without fear of drugs and abduction, etc. Lead your own way, not leech of others (the culture of this century.) I do believe all americans should have healthcare, they just did it ALL WRONG, and the timing could not be worse....Isn't it "un-american to raise the debt trillions" Mr. Obama. Just another line of BS, right?
What happened to America? That is the question everyone will be asking in 10-30 years. Answer, it committed suicide, killed by Americans.
What this country was built upon is now the enemy. Capitalism, hard work, a strong family foundation, education, military.....all enemy and held hostage by liberals, and now successfully setup to be perceived as wrong and criminal. Leeching and free everything is the new American way to succeed. This is suicide.
Thanks for the suggestions, and the mention.
Dave ramsey would be my choice
I like And Then We Saved (Anna Newell-Jones) best for reading and ideas, but follow Money Saving Mom and Hip2Save for deals.
I like Gail Vaz Oxlade and then Suze Orman, my husband can't stand Suze though.
I can't say I have a favorite. I read a lot of financial blogs. Probably not considered a financial guru, but Cindy from livingrichwithcoupons.com has helped keep my food budget way down!
I love Dave Ramsey, for the reasons that others have mentioned. Also, even though she focused more on ways to save money rather than personal finance, Amy Dacyczyn of the Tightwad Gazette is one of my favorites - I reread my copy of The Complete Tightwad Gazette whenever I need some fresh inspiration to live frugally.
You should mention rebalancing in Step 6.
no love for mechanical keyboards? i just ordered a rosewill rk-9000 with cherry mx brown switches
Mr. Money Mustache is my favorite, I also like J.D. Roth and Trent @ The simple dollar.
Most thrift stores are charitable.
I like Larry Winget. The no holds barred guy that makes you KNOW that you are poor because you want to be. He sold blood to pay his mortgage back in the day. He really let you know that he went through it all and made it out ahead, and you can too.
I read Ramsey's book and it really made sense to me. I don't have any gurus that I particularly like. I read over 100 financial blogs and any book that comes my way and there's a wealth of information in any of these places.
I like Liz Weston a lot - great advice that is straightforward and practical. My mom is actually a bit of a personal finance guru. She offers advice with a sense of humor.
Mr. Money Mustache is my favorite!
My favorite is Dave Ramsey.
I live in an area with dozens of thrift shops, some are nationally recognized and some are local. I delight in not paying taxes, our local sales taxes are high. Some thrift shops have higher prices than I would pay at department stores. So I have an idea in my head of what I would be willing to spend ahead of time. It is easy to buy things you don't need because some prices are so low. We have found hundreds of excellent items at very affordable prices. I go there if I'm feeling like spending money. I usually don't spend more than ten dollars, and I feel it is going to a good cause. Also, I donate to these same organizations, sometimes the same items I purchased.
The first book I read on personal finance was George Claxon's The Richest Man in Babylon - sound principles that still hold true.