Day 1 Dave: Total Money Makeover

Posted 07-12-2013 at 10:57 AM by Krista

Today began our Total Money Makeover. Even though we’d talked about it at least three times yesterday, when the day was halfway through my husband said, “I think we’ll wait until next month to start.” NO! I am a person who, once I decide I am determined to do something, I have to start right then, or lose my resolve.

The reason he was suggesting it is because he went to the dentist today, which was long, long overdue. He came home with the pronouncement that he may need a root canal, the bill for which is over five hundred dollars. Ouch! It certainly isn’t expected, and right now I am not positive how we are going to fit it in, but we have to.

Too often we have put off things that needed to be done, like car maintenance or going to the dentist, telling ourselves that we needed the money this month and would do it next month. You know how that type of planning goes: right out the window! So, while we will have to play catch-up for a while on things, I am really glad to have a system in place. To be honest, this is the first time that my husband and I have been on the same page about finances in a long, long time.

Today, like I said, was day 1. I have read several books on financial plans before, and I remember one that said to count how many days you can go without spending money. I thought that would be easy until I tried it. To be honest I spend money on something every day, whether it’s just an ice cream bar or a few gallons of gas. We went to the grocery store today and I was very proud to walk out with a bill of $2.18. We bought a candy bar to share—I know, oh the extravagance!—and soup crackers. I am very pleased with us that we got through today spending so little.

I am going to post weekly updates of how we’re doing, and if you are doing the Total Money Makeover please let me know where you are and how you’re doing!

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Comments

5 Responses to “Day 1 Dave: Total Money Makeover”

  1. Jpgrl75 on July 12th, 2013 6:30 pm


    Your first post and now this one have inspired me to get the book and get on board!

  2. nachoslyn on July 12th, 2013 7:06 pm


    Great choice. We went through this similar stage about two years ago. Coupons really saved us. We never went shopping for anything without them. I remember DH and myself searching sites to match up coupons and come out with hundreds worth of groceries and pharmaceutical products for about 20-30% of the actual bill. By doing a financial plan we were able to get out of some CC debts we had, purchase a home and finally have a substancial amount in savings. Emergencies happen and I remember having a month or two where I would cry because an unexpected expense came up (vivid example our front windshield broke and DH did not have glass insurance at the time, urgh), but you work it out and if you stick to it in the end everything balances out to your benefit. Good luck!

  3. jillfrog on July 16th, 2013 9:47 am


    It helps me to pick up the occasional toothpaste or deoderant from the grocery store, rather than in a separate trip to Target or WalMart. Even though these particular items may be slightly more expensive at the grocery store, it keeps me from finding other things I didn’t really need at Target.

  4. King2 on July 23rd, 2013 10:12 am


    Doesn’t his money make over COST you money? I can’t find any info on being able to use this for free. Seems kinda silly to give someone your money so they can tell you how to spend it. If there is a method to the madness, I would love to try out the Total Money Makeover!

  5. Steph on July 23rd, 2013 7:04 pm


    King2-you can borrow a copy of the book from your local library for free, and most of the budget forms you are to use are available to print from Dave Ramsey’s website for free.

    We borrowed the book and are following the plan. It is great to know where our money is actually going and to have a plan to spend it. We had never sat down and discussed exactly what our money was being spent on before this. It really makes a difference!

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