Are there any

[mmmbeans]

I know how Dave Ramsey is making millions...charging $200-400 a kit.

Being a millionaire isn't as important as living well at your income level

this. there is no simple solution.

save/invest that $400.

[D34Williams]

agreed. i am familiar with him in the way that i know his "rules" and theories. and i for the most part agree with him. we've actually been "working" his basic program for the last year, and i have seen results. it really is just common sense and not living beyond your means. and he has totally turned us to paying cash only (for the most part ;) ). my deal is, our church is starting to offer his classes and i'm wondering if theres "more" to it than what we do to make it worth the 200-400 kit we'd have to buy. and someone said a "get rich quick" scheme. its not anything like that. it is basically a very hardcore budget/debt program. i was just curious to anyone had invested themselves fullforce into him and theyre results. thanks all.

I see now what you were trying to ask. I have only been to his total money makeover simulcast, that was like 5 or however many hours long. I liked that a lot, and got the ball rolling for me. I haven't taken what you're talking about, which I think is Financial Peace University, is it not? I want to, because I think he talks a good deal about what to do with the money you've piled up once you're debt free, how to give to the people that need it the most, how to invest it, save it, etc. I have talked to a few that have been to FPU and have only heard good things about it. Also, if it is FPU that you're referring to, once you enroll and pay for the class once, you're a lifetime member, meaning you can go back and take any of the classes again, as many time as you want. And I think it gives you other benefits as far as a lower rate, if any rate at all to new classes that come up, and first dibs or lower prices on tickets to his big shows, entree leadership programs, and all that. Hope this helps, good luck. If you decide to enroll, let me know how you like it and what it entails, I'd love to hear about it.

[TarPanther9180]

Has anyone used mint.com to track their spending/budgets? I just setup my account and it seems to be a decent site.

[SgtJoo]

It ain't trickin if you got it...