Showing posts with label Dave Ramsey. Show all posts
Showing posts with label Dave Ramsey. Show all posts

Wednesday, July 16, 2008

Dave Ramsey’s New Bible Study for Teens

NASHVILLE, Tenn. – Nationally syndicated talk show host and best-selling author, Dave Ramsey, is releasing Generation Change -- a brand new, four-part series that shows teens how money really works, how God views money, and how to grow into responsible young adults who are ready to embrace all of God’s blessings.

In this entertaining, informative Bible study, teens learn to realize their value through God’s eyes and learn that no amount of “stuff” can change their self-worth. They will see the dangers of debt from credit cards to car payments, the importance of saving money and paying cash for what they want, and most importantly how a lifestyle of generous giving can change the world around them forever.

“We are raising a generation that spends money they don’t have to buy things they don’t need to impress people they don’t even like! Generation Change gives teens the tools they need to win with money and avoid the mistakes their parents have made,” said Ramsey.

Every day, our youth are bombarded with a million different voices—everything from billboards to internet ads—telling them who they are and measuring their worth by what they have. The pressure to be accepted in today’s “stuff-centered” world drives them, and perhaps even their parents, to throw money away on things that don’t matter—all in an attempt to be somebody.

Host, Rachel Ramsey, leads teens as they learn through peer testimonies, celebrity encouragement (Toby Mac, Michael W. Smith, and Jason and Daniel of Hawk Nelson), and Dave's exciting teaching style. Teens will see how “God’s and Grandma’s ways of handling money” can empower them to become a generation of change!

The Generation Change leadership kit includes the DVD boxed set, leaders guide, eight t-shirts, eight pledge cards, and eight student journals for $169. Additional materials are easily accessible for larger youth groups.

Call 1.888.22.Peace or visit our Web site at http://www.daveramsey.com/hope/generationchange/

About Dave Ramsey
Dave Ramsey, a personal money management expert, is an extremely popular national radio personality, and author of the New York Times best-sellers The Total Money Makeover, Financial Peace and More Than Enough. Ramsey knows first-hand what financial peace means in his own life – living a true rags-to-riches-to-rags-to-riches story. By age twenty-six he had established a four-million-dollar real estate portfolio, only to lose it by age thirty. He has since rebuilt his financial life and now devotes himself full-time to helping ordinary people understand the forces behind their financial distress and how to set things right – financially, emotionally and spiritually. He resides with his wife Sharon and their three children in Nashville, Tennessee.



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Monday, June 30, 2008

Online Banking Saved My Financial Soul

The typical American no longer balances their checkbook on a daily or weekly basis. Its no wonder people find themselves in debt trouble.

Solution: Online banking has come a long way and its important for computer users to jump on board. I know, I know you will miss the face to face interaction with your bank teller but most people do drive-thru banking anyways. Some do not even go to the bank, they deposit and withdraw straight from an ATM machine.

I remember being able to see how much debt I owed the bank and would log in every day and look at that amount go down. I would transfer money from my checking to my loans with the click of a button and boy did it feel good to hit transfer. Sometimes I would transfer $5 but other times I would transfer $500 until the "magic number", as I would tell my wife, was finally at $0. I have yet to get through at the Dave Ramsey show, i'm going to call in and scream i'm debt free. Does online banking work for you?


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Tuesday, June 17, 2008

Another One Bites The Debt

Another couple pays off their debt and share their story on the Dave Ramsey Show. I have tried several times to get on air with Dave Ramsey to scream "I'm Debt Freeeeeee" but have not had any luck, but when I do i'll post it here on Debt Free Hispanic. Enjoy the show on Fox Business Network.



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Sunday, May 11, 2008

Hispanics Carry Cash

I hired a company to come to my house every other Saturday to cut my front and back yard for $25. Some might say, why don't you just cut the yard yourself. Truth is I could but I think my time is valuable and I spend my weekend with my wife which is more valuable to me then spending hours outside cutting the yard. Needless to say that the last time the company came to cut my yard I didn't have the right amount of cash I needed cash back. Four Hispanic men cut my yard and when I went to pay them, they all offered to give me cash back. I told my wife about the situation and I got to thinking, its dangerous to be carrying around cash. I used to think that but now I think its even more dangerous not to carry cash and only pay via debit card.


I went to the Dave Ramsey Live event here is Dallas, TX and Dave says that its harder to spend cash rather than plastic. The reason is because of the emotional connection that we have with money. Don't believe me, make your next big purchase with cash and see how it feels to let go of Benjamin Franklin. Americans went from Cash to Check to Plastic cards. It's amazing how fast our currency is changing but also the way we think about money is changing. I noticed that Hispanics do pay with cash and the only problem with that is that Hispanics spend their money because they have it at their fingertips. I think America should go back to the days when grandpa used to pay with cash but was frugal enough to save for their children. -Debt Free Hispanic


Thursday, April 3, 2008

How to Drive Free Cars for Life

That right...you can drive FREE cars for Life.

Think about it:
What if you decided to STOP messing with car payments?
What if you invested that old car payment every month instead of giving it away to the bank?
What if we showed you a six-year plan that would put you in free cars for the rest of your life?
What if that plan also made you a millionaire?
Interested?
Here is how you do it. This changed my life. Click Here to view the video!

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Monday, March 24, 2008

7 Baby Steps by Dave Ramsey

My wife and I are going through the 7 Baby steps that Dave Ramsey teaches with Financial Peace University which are:

  1. $1,000 to start an Emergency Fund
  2. Pay off all debt using the Debt Snowball
  3. Three to six months of expenses in savings
  4. Invest 15 percent of household income into Roth IRAs and pre-tax retirement
  5. College funding for children
  6. Pay off home early
  7. Build wealth and give! Invest in mutual funds and real estate

We are proud to say that we are on step #3. It's a hard step for us because that adds up to $9K. But with only less than $1K away, we should do it by the end of the month or mid-April. I've yet to call in and scream I'm Debt FREEEEEE!




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Wednesday, March 19, 2008

No More Credit Cards!

Someone told me the other day that me cutting up credit cards was stupid. They said that its good to build up credit and what if I need to purchase something on the fly. Then I got to thinking, what could I possibly want to buy on the fly...food maybe, but I can pay cash for that I don't need to use a credit card. I am proud to say that I do not own a credit card. I urge you to do the same, and cut up your credit cards.


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Monday, March 17, 2008

We're Debt Free Dave Ramsey Scream!

I love how this kid screams, it reminds me of how I feel everyday when I wake up! In Spanish we would scream "Somos libres de deuda"


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