Dave Ramsey Followers

We were already budgeting, and we had only the house payment and a minor car loan to pay off when we went through his financial peace university. It was fantastic! It really helped us think about the long term goals of personal fiscal responsibility, especially preparing for retirement (something that wouldn't have been on my radar otherwise until it would have been a bit late in the game). I would recommend it.

I haven't read any of his books or attended Financial Peace University. But, I listen to his radio show when I'm in the car, and I can tell you that I have learned so much! For the most part, it is a call-in show, so you just listen to the different callers and their stories and questions and hear what Dave has to tell them.

It is absolutely fascinating! He is a very kind person and is very sympathetic (no matter how unwise a caller may have been to find themselves in their current situation).

I would try to listen on-line or find out which of your local stations carry his show. Get a feel for whether or not you like his style, and you'll know what you want to do.

ETA - You should be able to find Dave's books at the library. Won't cost you anything to browse through one.

I would check out his book "The Total Money Makeover" from the library first. Also, you can listen to his show for free every day from 2 pm - 5 pm EST on daveramsey.com.

I wouldn't sink any money into his programs until you get a feel for his style.

I love him and bought his homeschool curriculum for my sons.

Personally I think he can help even when your financial situation is stable or good. The only thing that I really disagree with him on is mutual funds - but that's another post.

You my dear, have the dream situation. Most people would love to have this. You have small bills every month, live in your means, put away for emergencies, save for the children's futures, use credit cards as they were meant to be used, and pay them off as they are meant. I bet your credit score is delightful. The only thing I would suggest is a small fund for frivolous things(like a spa day for two and childcare arrangements for that special date night, or tango lessons). Most savings accounts have suffixes where you can divvy up monies for things like that. I have one set up for emergencies and one for odds and ends I am saving for.

I have not tried any programs, but although I am on a severe budget, I do my best to follow the regime you do, and do NOT EVER live outside my means, and put away a bit for spontaneous acts of Murphy.

Kudos to you for sticking to a financial plan! A+

I would suggest FPU, no matter where you stand it will help. Paid off a ton of debt this past year and hubs and I are on the same page with purchases. Looking forward to 2013 and getting rid of car payments and student loans. Credit cards are paid off as of this month.

You sound great financially and I am jealous LOL... We have bought the books but that was because we were 33K deep in credit card debt (oops). We have paid off 10K so far in the last 11 mos so we are not doing too bad but we have had slips now and then. If I were you I would just use mint.com to allocate every single penny to make sure that you are staying on a budget in every category and saving as much as possible. Seems like you already "think" like the book. :)

I never read his book but I recommend the book "The Wealthy Barber". I also liked "The Millionaire Next Door". You can get them for free at the library.

K., we are in a similar financial situation. And we have several of his books around the house. Dave Ramsey is a way of thinking. Personally I wouldn't invest in a course of his, but his books are very insightful. And yes, any budget can be tweaked.

I don't know what more you can do if you are getting 0%. Are you really getting 0% on your mortgage? If you can get that on a second mortgage, use that for your next NECESSARY big purchase.

It will help you fine tune what you're already doing. There is so much in that program that I feel sure that there is alot of it that you're NOT doing. It's worth the investment.

you won't waste your money, promise. even if you spend the $100 (that's nothing!) on his full blown class (which is AWESOME!) you will quickly make it back. it sounds to me like you are doing great - but he can also teach you about investing, saving for college and retirement, etc. i highly recommend it. your whole perspective will change. and, if you can take the class with hubby, even better - great for your marriage to have a common goal. there is just such a wealth of knowledge to be had. thousands of little tricks and tips, not only that but also a whole new perspective. good luck!