Money: You are doomed if you have it, doomed if you don't. If you don't have money, satan tempts you into thinking that if you just had some or more you could acheive your dreams. If you have money, satan tempts you with all kinds of traps including the want of more than you need, hording, obsession over losing it, idolatry, laziness, and other tempations that money can buy. How much money does a dream cost? If your dream is God given, God will provide all you need to acheive it.
The Total Money Makeover by Dave Ramsey is a step by step, biblically based process of being good stewards of what money we have been given. Starting by eliminating our money's stronghold over us: consumer debt. Then he teaches us the basics of making our money grow so we can give it away. With your heart in the right place, focused on God, you will have all you need to acheive your dreams and help others along the way.
The Total Money Makeover begins by giving you peace of mind. Many relationships are severed over the stress of money. Many a bad relationship is revealed by the way money is handled in it. A great way to start developing an honest, cooperative relationship is to get honest and cooperative about the money. And one of the worst relationships we have with money is being slave to the lender. Get out of debt. No matter how much money you have or don't have, reaching financial peace is simply living without debt and using what you are given to prepare for the future. Whether it be character building or wealth building, the adventure begins when you are out from under the burden of debt.
Dave Ramsey's road to financial peace takes you through seven steps called, the Baby Steps, beginning with cutting up the credit cards and stashing away a $1,000 emergency fund. Next step, pay off the debt and in his book, The Total Money Makeover, he explains that the debt snowball is the most effective way to do that. As you move through the baby steps, you will learn to take stewardship of your money by making it work for you to achieve your dreams. No one says it will be easy, a few weaknesses in character have been known to be revealed in the process. Do not be discouraged. Each new step will bring you closer to having peace of mind about your money and to realizing your dreams.
TOP SIX Dreamer's To Do LIST
- Figure out what "Baby Step" you are at and set out with a vengence to conquer it.
- Honestly look at your strengths and weaknesses when it comes to how you handle money. Get help to overcome your weaknesses.
- Set up your budget, include everyone who shares your pocketbook, and stick to it.
- Evaluate how money reveals the strengths and weaknesses in your relationships. Get help to overcome the weaknesses.
- Start a dream list as if money was not an obstacle and then re-evaluate that dream in terms of your current financial situation. For example, what can you dream about doing with the barn you currently own instead of going in debt for a new one?
- Trust God to provide all you need not a bank loan!
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