I love making money, but even more I love having money left over after I make some, and for this reason I have become a huge Dave Ramsey fan. I am on the road to being completely debt free, and it’s because one day I was thinking about, and I was paying a quarter of my paycheck to credit card companies with 10-25% interest. I finally set down with my wife and we decided not to use credit cards any more, and live on what we make. This Christmas we set a budget, and only bought presents with cash, and did not spend anything on credit, and I will tell you that the day after Christmas felt great to not have to worry about all the money we racked up on credit cards.

Dave Ramsey teaches you to pay off you debt, save, and invest for the future. He is a millionaire made over many times, and this is one of the reasons I will listen to him. I do not take any financial advice from people that are not successful. Dave Ramsey has a common sense approach to paying off debt that is extremely easy for anyone to understand. If you are in debt and cannot see the light at the end of the tunnel you might want to get one of his books or check out his website. I recommend his top selling book “The Total Money Makeover.” This is the book that has got my business and my family on the road to financial freedom.