Giveaway: The Total Money Makeover

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cash envelopes

Two things are certain in this life: Death and Taxes. So said Benjamin Franklin many years ago. This week it’s time to pay up. At least the tax part. In honor of Tax Day, I decided to offer up a great giveaway.

Time to tell your money where to go!

You know that I am a HUGE fan of Dave Ramsey. Three years ago we woke up and smelled the debt. And Dave helped us find our way out. One of the key themes of Dave’s message is to tell your money where to go. If you don’t, it will still go someplace, just maybe not where you want it to. Time to change that. And Tax Day is a great time to start.

This year has been a Dave-themed year of sorts. I’ve made the cake. I’ve met the man. I’ve read the book. Now I want to share it with you.

Three SIX winners will receive a copy of The Total Money Makeover by Dave Ramsey.

Thanks to a generous reader, Deanna, for upping the anty. I now have SIX copies to giveaway. Woo hoo!

There are three ways to enter:
1. Leave a comment telling us where you’re going to tell your money to go this year. Savings? Debt? Vacation?

2. Subscribe to LifeasMOM in a reader or via email. Then leave a second comment telling me you did so.

3. Tweet about this giveaway and then leave a third comment letting me know your twitter handle. Make sure you use @fishmama so I will see your tweet.

This contest will be open until Thursday night, April 15th at 11:59 pm PST. Tax time! Winners will be chosen at random and announced sometime Friday. This giveaway is provided by my pocket book (and one generous reader who matched me on prizes). My opinions are my own. This giveaway is now closed. Winners are posted here.

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  1. The House, definately the house! We’re recently found ourselves in an upside down mortgage and are Soooo close to righting it again. Dave is a hero!

  2. Debt. Lots and lots of debt. School loans, car loans, unpaid bills, bill collectors commission checks (I’m assuming). We’ve got loads of it and it needs to go away now! I’ve been wanting to get involved in Dace Ramseys program but never had the book or anything, so this would be a lifesaver!

  3. I subscribe to LifeasMom!

  4. @UntypicallyJia

  5. Family Vacation to South Dakota, Montana and Wyoming- no Credit card debt this trip!

  6. Every extra penny is going towards debt we accumulated while my son was sick… all those things insurance DOESN’T cover!

  7. We’re putting our money towards debt unfortunately. I’ve got the Dave Ramsey book on wait list at my library, but I’ve been waiting FOREVER! Must be a popular book! πŸ™‚

  8. I subscribe in a reader. πŸ™‚

  9. We’re down to mortgage and student loan debt. We are half-way towards our 3-month emergency stash. This year, we hope to fully fund the 3-month stash plus pay enough on the house to get rid of the mortgage-insurance. Then we’ll tackle the student loan….

  10. Savings! Savings! Savings!

  11. This year the “extra” money goes for the house – new roof, new windows, new shutters. Yuck.

  12. I subscribe through yahoo reader!

  13. Ours will go to debt and savings. I would LOVE to win this book! I’ve been wanting to get it at the library but haven’t gotten there yet… I’m so inspired by your story and the many others.

  14. I subscribe through google reader.

  15. I want to pay off out student loans

  16. Our money is going to debt this year!

  17. I would love to win the book! I am telling my money to go into Homeschooling and the savings account!

  18. Tara LaPierre says:

    extra money, whats that πŸ˜‰ We are trying to pay off debt!!

  19. Trying to save for college! Please money, please go into the college savings account!!!!!

  20. Sarah Stonerock says:

    We’re working to pay off our debt. I’m tired of worrying about it. I want it gone!!!!

  21. Got the email subscription activated!!

  22. I will tell my money to go towards clearing our debt so that we can then start to save and live more stress free. Thank you!

  23. Our money is definitely going to go towards our debt! We have a LOT of student loan debt and we are desperately trying to pay the majority off before we start our family. We’ve managed to pay off two our small loans so far and now we are going to focus on the large ones.

  24. We will have our only debt paid off next month (other than mortgage). We will be putting money towards a small vacation and savings. Our vehicles are getting pretty iffy, so we’re preparing now.

  25. I subscribe to your feed.

  26. Medical bills. Unexpected medical expenses early in the year have left us owing doctors and the hospital. Can’t wait to wipe these out.

  27. We are putting our money and savings and towards a few things we want to buy. At the beginning of the year, I wrote down all of my goals for 2010 and made up a blog solely to write about our sucesses and failures of that list. I needed the accountability.

  28. Vacation….this year! πŸ™‚

  29. I subscribe!

  30. Our money is going for retirement and grown children are listening to Dave too! YYEEAA

  31. This year our money will go toward paying off our debt AND into the adoption fund. We are gonna get us a baby girl!!!


    ndisilvio@ gmail .com

  32. I subscribe via Google Reader.


    ndisilvio @

  33. I would love to read Dave’s book. I know some of the highlights thanks to you, and we have been telling our money to go to the following places:
    1) Paying down debt… only 2500 to go. That was nearly 9000 a year ago.
    2) Bulking up our savings. Right now we are saving $100/month, but once #1 is done, that will increase dramatically as we are preparing to hopefully try for baby #2, and my husband may become a SAHD, due to daycare costs.
    3) We are going on vacation to Vancouver B.C this summer… our airline tickets were free… we are staying over 1/2 the time with friends/family and about 4 nights in a hotel, 3 of which are free due to rewards points. We will still have the cost of entertainment, food, ferries, and a car rental, so we are stashing away a little extra cash (from me selling outgrown clothes) for that.

  34. I subscribe to RSS for Google Reader.

  35. I subscribe through google reader.

  36. We have no debt, fortunately, but because I learned how to coupon this year, I’m hoping we can save more money. This book would be great for my son who[‘s in college and has loans.

  37. We’re saving as much as we can.

  38. Towards college debt!

    I’m already subscribed through google reader!

  39. Saving!

  40. I am a subscriber! πŸ™‚

  41. Debt. I am eager to get Dave’s info and start having our family money go to things more meaningful than our debt.

  42. I subscribed via Google Reader πŸ™‚

  43. Mortgage debt for sure! My husband and I are 25 yrs old and our only debt is our house…. 3 more years and its paid off! And we have done it on one average income. I’ve always wanted to read that book, so I’d love to win it!

  44. This year we are going to pay down our debt!! Thankfully, no credit card debt but medical bills. I love Dave’s straightforward talk. He pulls no punches, I woould love to read The Total Makeover and highlight, and read again…..The best giveaway

  45. Our money is going on home improvements and savings, hopefully more in savings!

  46. I subscribe in google reader

  47. I have been a subscriber for almost a year now, I love the blog!

  48. This is a great giveaway and so generous, thank you! Fortunately my money is going to all the right places. However my sister’s money needs major direction. She and her live-in boyfriend have credit card debt, other loans, medical bills and much more. She could really benefit from reading Dave’s book. If I win a copy I’ll be giving it to her.

  49. Our money is going to savings, for sure! We have been neglecting that for awhile…

  50. I am already a subscriber to your blog, I love it!

  51. I subscribe through google reader.

  52. Our money is going towards savings! we just paid off our cars and have no other debt so we are working towards our emergency fund and saving for a house. I have heard about Dave Ramsey’s plan but have not actually read the book.

  53. I am telling my money to go to debt – we will be free of all our car payments and all credit card debt by October!!!

  54. It will be going to pay off my car and beef up our savings account even more!

  55. THIS GIVE AWAY WAS MADE FOR ME! I just found Dave Ramsey and I can’t wait to get debt free! Right now I am telling my money to go to DEBT! I hope that in 3 years I will be living free! Well I gotta go figure out how to twitter . Good luck everyone!

  56. I would like to see my debt gone so that I can move on to savings. Savings-what’s that?

  57. I already subscribe in reader now you are in my email too! πŸ™‚

  58. Julie Young says:

    I will put my money towards debt and savings!

  59. Julie Young says:

    I subscribed via email

  60. Julie Young says:

    I tweeted! Im @maddiemont

  61. Melissa A. says:

    Savings account!

  62. My money can just go save itself! I’m hoping to build on our savings account for emergencies…2 months more to go!
    Thank you!

  63. Most of the money will be going to try to pay my college debts early. We’re also trying to build up some savings AND we’re planning on taking a vacation to Guatemala in December so my husband can see his family for the first time in almost 6 years! We could definitely benefit from a book like this so that we can make all of our plans happen!

  64. I subscribe to your feed!

  65. Our extra money is going into savings-2 incomes and no kids yet, we are trying to prepare (as much as you can).

  66. Again I don’t know if I did any of this right! But I will do just about anything to win this giveaway I hope I get points for effort. Go to to see my tweet.

  67. he tax money is going toward repairs on the house. Love Dave, he’s great!

  68. While we’re diligent about stashing the cash in retirement and health-savings (easy when you don’t see it), we’re not so good on the emergency/living expense savings. So, you guessed it, we’ll be working on building a savings!

    Thanks for the great blog!

  69. Brandi Hershey says:

    Our money is going into savings! We will also be starting another college fund for the little bun cooking in my belly!! Thanks for the chance to win!

  70. The $$ is going towards the mortgage!

  71. We are finally debt-free (except for that little mortgage thing) and will be focusing on savings.

  72. I’m a subscriber.

  73. We still have one more student loan to payoff…so all our money is going to pay that off. Once that is done, we will have no debt, other than our mortgage.

  74. I am a follower via email πŸ™‚ Thanks for all your great info!

  75. Our money will continue to go towards reducing our debt. It’s been hard, but we track it on a spreadsheet and it’s been awesome to watch it go down significantly over time.

  76. I want to pay off debt, we have a mortgage and a car loan.
    Also putting more into savings.

  77. I subscribe via RSS. Thanks so much. I love Dave Ramsey too and we already do snowballing to reduce our debt

  78. Catherine says:

    All money and savings for this summer, and for this entire year, is going towards the BIG MOVE (to Washington DC!). We are moving so I can go to graduate school, but right now my husband’s without a job… let’s hope and pray he finds something soon!

  79. My money is going to pay off the 3 loans we have out – boat, yard, car. We are taking 401K money out to pay them off. Then we will only have a mortgage to pay off. Our money will work much better for us after we get out from under lenders! Thanks for the giveaway opportunity!

  80. All my money is going towards the adoption of our second child! I’d love to read about Dave’s tips – every little bit helps right?!

  81. We are (God willing) about 4 months from being credit card debt free–so that’s where my dollars are going!

  82. And I just tweeted about the giveaway, my handle is SPLLibrarian.

  83. Since we just finished our paying off our debt, now our money is going to finishing our emergency fund. After that (hopefully soon!), we’re going to work on our house savings fund.

  84. I put our entire tax refund toward my husband’s student loans! We will continue to pay them off all year.

  85. I am a subscriber via Google blogroll.

  86. Our money is going toward a new car for me later this year so replace my 10-years-old, starting-to-fall-apart Jeep.

  87. I have just started with baby steps in Daves program and trying to get the hubs more involved.

  88. I subscribe with google reader

  89. We’re telling our money to pay off debt.
    Yep… when it starts keeping you up at night, it’s got to go!

    Thanks for the chance to win!

  90. I’ve subscribed via email as well. THANKS!

  91. I subscribed!

    Debt and vacation.

  92. Awesome giveaway! Our money is going to debt this year!

  93. Michelle K says:

    This year our money is going towards debt. We just started FPU in January and haven’t touched a credit card since. We have BS#1 done and are getting ready to pay off CC #1 this month. It’ll be a long time in BS#2, but well worth it!

  94. Mortgage and house projects. I would love a copy!

  95. where our $$ is going this yr….taxes from the foreclosure of our house 1099 A , back debt including medicial from procedures REQUIRED by our ins to have the ins AND the difference in what the foreclosed house sold for and what we owed( if they would have let us put the loan back to the orginal loan we wouldn’t have went thru this). We do have a couple other bills that need paid off. Our goal is to be debt free with in 2 yrs.Staying out of the grocery stores will help LOL

  96. Definitely in to the house. We’ve had lots of things we’ve wanted to do and now is the time.

    sweetpeonies07 at gmail dot com

  97. Our money will be going to debt and vacations (going to see family because we live so far away from them)!

  98. I already subscribe through Google Reader.

  99. I’m going to tell my money to get rid of my debt….I went thru some major post partum depression and ended up draining our savings because I was too out of it to work….I’ve already paid off the little bills with my tax return, but now to get the big ones down!

  100. I already subscribe to everything πŸ™‚ I absolutely ADORE your blog!

  101. Tweet Tweet πŸ™‚

  102. Our extra money is going to pay off our debt.

  103. I subscribe!

  104. My husband and I have already been telling our money to pay toward both debt (credit cards, loans), savings and vacation. We haven’t been on a vacation in a long time and thought it was about time for it. Luckily we are making a little more this year and can afford to take a vacation AND pay down and pay off some debt. We have already paid off 2 debt items which was a great feeling. I can’t wait to pay everything else off!! Just with the 2 debts paid off, we feel so liberated. I can only imagine what it will feel like when we are completely debt free. We have made strides on our own, asking God to guide us in our endeavor and putting our whole trust in Him. Additional help from the infamous Dave Ramsey would help so much more. Even if I don’t win this giveaway, we aren’t going to let that stop us from using Dave’s resources to further our goal of being debt free.

  105. It will be used for a vacation but not this year. In two years for our 25th anniversary!

  106. We are ordering our money to pay off the van!

  107. DEBT!! I became sick last October and had to stop working and losing that 2nd paycheck has been awful. We were already in far too much debt and now we are on the verge of bankruptcy. I’ve heard of Dave but never read his books. This would be a great win for me & my family.

  108. This year we are paying off as much of our debt as we can. It’s a struggle some months but it’s a great goal to have. I don’t want to live in debt any more!

  109. I subscribe!

  110. Dawn Avant says:

    Our money is going to vacation (taking the kids to Disney for the 1st time) and savings.

  111. Dawn Avant says:

    subscribed via email

  112. I’ve been wanting this book! We recently paid off the last of our bills and so this year is all about saving. I also would like to start a vacation fund so that next year we can take a much needed family vacation.

  113. We’re telling our money to pay down some debt. In doing so, I’m going to refocus my attention on what I’m spending for the household and how I can do a better job with the money the Lord has given us.

  114. I also subscribe to your blog.

  115. Debt, debt, debt. Time to start a debt snowball!

  116. I subscribe via Google Reader.

  117. This year we are going to focus paying off a car and saving. The vehicle is our only real debt (other than the house) and I love seeing the numbers in my savings account grow!!!

  118. I’ve been a subscriber via Google Reader!!!

  119. Susan Whitmer says:

    Right now we are using every extra dollar left over in the budget to put in our emergency fund because my husband may be losing his job at the end of May. But thanks to Dave Ramsey, blogs like LifeAsMOM & MoneySavingMom, and trusting the Lord, we are ready! =)

  120. Jennifer B says:

    I will tell my money to go to Savings, we have never been to good at saving since we are a family of 6, with only my husbands income. I know it’s possible with our situation. We just need to figure out how to do it. I have heard so much about the man and his book, would love to see what it’s really all about.

  121. Definitely plan on getting out of debt!! Also – we’d like to get our emergency savings going.

  122. I subscribe to your email :)!

  123. I tweeted via @Krisaboo πŸ™‚

  124. Saving for our kids’ college. Our baby is turning 7 next month and it’s opening my eyes to how fast the years are flying by!

  125. I subscribed via email.

  126. Some of my money will be going towards paying down my mortgage and some will be going towards savings. Thanks for the chancee.

  127. We are definitely planning on getting out of debt this year!! I also hope there is some leftover for much needed house repairs. Thanks for this giveaway!

  128. I subscribe to your email.

  129. Mine will go to debt but only for about a year then we’ll be FREE…! I want to be out from under this burden. I want freedom from interest rates and due dates. I want to be one of Dave’s callers….I listen to his show online and I’ve been saving up for the book…
    My husband will be deploying later this year and I’m going to use that extra money to get this monkey (more like a gorilla) off our back once and for all!

  130. We’re working on telling our money to go to student loan and savings! Thanks for the giveaway!

  131. also I subscribed at LifeasaMom through my Google Reader. I appreciate your website very much.

  132. What a great site! I followed a link here from Complete Organizing Solutions, and really like your blog!

    This year, my money is going into a hefty down payment on a “new-to-me” family SUV. My hubby and I both drive small cars, and with our 1-year-old daughter and 2 dogs, trips to see his family have become almost nonexistent due to a lack of space in our automobiles.

    Family is a priority for us, so we have decided to invest in a larger, still fuel efficient SUV, replacing two of our 3 existing cars (we have a 10-year-old sedan, a 20-year-old sedan, and a 14-year-old hatchback; we’re keeping the 10-year-old sedan and trading in the other two).

  133. I also subscribe to your emails! Thanks!

  134. I just subscribed using Google. Thanks!

  135. Two cars will be paid off this year–35,000–done! The RV would have been included in this but with a new baby and husband laid off for three months–we are happy that we are still able to get down our debt!!

    P.S. We will never finance a car again. The End!

  136. Want to get rid of some pesky debt! Would love Dave to help us!

  137. We need savings!

  138. Student loans and our land note!!! Those are two big chunks!! Thanks for this great opportunity!!

  139. We’re kinda in a weird place. My husband is in school, and I can’t really work to supplement our income – a stipend from the school. So, we pull money out of savings to make up the difference. Our goal is to pull as little money out as possible. Our only debt is our mortgage.

  140. This is the second time in the space of a week that this book has shown up in my life! I take that as a sign. I’d definitely tell our money to go toward debt and an account we set up for our trip to Europe in three years. I want to be able to do Europe well, not counting every penny.

  141. I also subscribe to your posts through google reader. πŸ™‚

  142. I’ve got you in my reader!

  143. Stephanie says:

    I have been following your blog for quite a while (good and cheap eats) too I just subcribed via email.

    Thank you for your perspective an encouragement.

  144. I subscribe in a reader

  145. Stephanie says:

    We are continuing to save money we might go to Disney world again next year. Other wise it is just nice to know no one needs it before the savings.

    My husband broke his finger at work on 12-30 He has been out of work since. He makes more than the maxium allowable benefits so we recieve lees than the usual 67%. It is nice to know we can survive still have the extras and be just fine.

    I am so thankful to God for being such an awesome provider.

  146. I’m telling my money to go towards debt. We have paid off over 11K in debt so far this year (and it’s only April). It feels so great to have 2 paid for vehicles. Now just got to payoff that pesty credit card (which I already canceled) and then I can scream “I’m DEBT FREE” πŸ™‚

  147. The debt snowball! We’ve read Financial Peace, but have yet to been able to successfully secure Total Money Makeover from the library as there is a long wait! Thank you so much for doing this giveaway!

  148. This year we’re starting some serious retirement savings!

  149. I would put some in savings and other towards college tuition for our 8 children. We have no debt, PTL!


  150. My son is starting school this year (well Pre-K) so I am going back to school, we don’t have much money, but any extra we have will be going towards my schooling and any “wrap around care” my son will need past normal pre-k hours. So, I guess that’s where we’ll be “telling our money to go” It’s gonna hurt, but it will be worth it in the end. We are bogged down w/my husbands school loans (and small one’s of mine from years ago) that we have defaulted on before, I refuse to ever take out another loan! I need to read Dave’s book!! (Sorry for the novel, I tend to ramble).

  151. Subscribed via Google Reader!

  152. Subscribed in a reader.

  153. Retirement, college, and house.

  154. I would love to say I tell my money to go to savings or vacation fund, but right now it’s paying bills and keeping us afloat since both of us are out of work. I would love to read this book!!

  155. I want to tell my money to go towards debt. It seems to get worse every year and I need to do something about it.

  156. I subscribe via google reader!

  157. house and car! so important!!! =)

  158. tweet tweet!
    My handle is Scrapityanne

  159. Our money is going to savings!

  160. Since I switched jobs, it has been so hard to keep our heads above water. I want to tell my money to go towards a house, not debt. Trying to curtail the debt & pay it off. I’ve heard many people talk about Ramsey & I need to give it a try.

  161. And I do subscribe via RSS. (But saw the contest on Twitter since I haven’t read my feeds yet this morning. Ha!)

  162. My extra money will go toward paying off the van and saving for a new truck–Cash Baby!

  163. I also subscribe!

  164. I would like to put more money towards retirement this year! It’s getting closer everyday.

  165. Well, if the economy hadn’t take a turn, I’d be telling my money to pay off my mortgage, BUT right now we are just squeezing by and trying not to lose the house.

  166. Any money is going to pay the mortgage.

  167. I’m a subscriber.

  168. Jeana Gervais says:

    Debt and savings. Finally catching up and with a prayer and a plan we will come out and move ahead. We have five beautiful kids that I want to send to college on our “dime.” πŸ™‚

  169. Debt…. got to get a handle on medical bills and credit cards. It’s been hard since I lost my higher paying job.

  170. I’m having a baby this year that will start daycare at 6 wks, I have a kindergartener starting private school and I have a teenager starting her senior year, all around the same time. I could really use Dave’s help in planning a budget. We also have other debt we’d like to get paid off and do not know where to start!

  171. Chelsea Porter says:

    I’m telling my money to go to my DEBT. We’ve really dug ourselves a hole while on one income, and now that I’m adding approximately half an income to the pool, we need to really focus on climbing out of it.

  172. Chelsea Porter says:

    Oh, and I subscribed. πŸ™‚

  173. Tomorrow my husband and I finish our Financial Peace University! Our debt has gone from >$5000 to zero and our savings has grown from $3000 to $17000 in just 13 short weeks! Our money will continue to fund our 3-6 Months Emergency Fund…we’re almost there!

  174. We are in the middle of Financial Peace University and it is changing our minds about money. I’ve actually already read “Total Money Makeover” but I really want to be able to give a copy to my sister! This year, we are working on Baby Step 2 — Debt Snowball, so our money is going to pay off our debt. It’s an uphill climb, but I am optimistic about reaching the top!

  175. We actually just paid off the last of our credit card debt and I couldn’t be more thrilled!!! The savings account is running low again, but we’ll be building it up and then purchasing a larger car to fit our growing family (my little Echo just won’t hold three car seats!). Other than our mortgage, hopefully we’ll be able to stay completely debt free this time!

  176. And I have been an Google Reader subscriber for a while now…love your blog! πŸ™‚

  177. Anna Bloom says:

    We are trying to pay off our mortgage sooner and save for a van for our growing family.

  178. We are trying to get a saving account established.

  179. I am a new email subscriber.

  180. There’s no doubt in my mind that the money will go towards an emergency fund and paying down my student loan debt. I’ve worked hard on being credit card debt free and recently paid off my car, so I’d like to keep the momentum going and implement what Dave Ramsey teaches in this book. My goal is to be debt free (outside of the mortgage) before I’m 30 and I’ll do what it takes to make that happen.

    Thanks for the consideration!


  181. I already subscribe to LifeAsMom and, because of you, we starting watching Dave Ramsey and I checked out one of his books from the library. Because of you AND Dave, we have already told our money to pay off our debt. We had 20K in credit card debt and after this week, that balance will be down to under 2K!!!! We are on our way to living debt free!!! πŸ™‚

  182. I can’t believe the fuss that you and Crystal make of this Ramsey fellow. I was flipping through the channels on evening and stopped on one of his “programs”. I was cheesy and poorly executed. He reminded me of a late night TV minister–all that was missing was the co-host with lavender hair and too much makeup!!

  183. We will be sending our money to our debt and then saving for a new-to-us car for my husband. Thanks for an awesome giveaway!

  184. Debt. We just bought a new house and spent a lot fixing it up to make it livable.

  185. This year our money is going to paying off debt- FOR GOOD!!! We just paid our first card off two days ago! Once the debt is paid off we’ll be saving up for a down payment on a house and we’d like to be able to put at least 25% down on the house to avoid some interest and having to pay for GAP insurance!

  186. My money this year will go towards debt so that I can stop paying for the past and start paying for the now or future!

  187. Our money is going to finish up our Baby Step 3 and take a vacation this summer as a family! We’re also telling it it’s not going to a hotel because we’ll be staying with family. Love Dave Ramsey – but I’ve been too frugal to buy the book, so I just check it out of the library to review the baby steps as needed. It would be nice to have a copy of my own though.

  188. This year, since I’m on maternity leave, I’m going to tell my money to go pay the bills! If I have extra money left, we’ll put it into savings.

  189. I would LOVE to win! This year I’m trying to focus on upping our income and bringing down our debt. Were s-l-o-w-l-y inching toward our baby emergency fund, but I’m excited since we’ve never had more than a few dollars in our saving account.

  190. I subscribe in a reader!

  191. We will be saving our refund.

  192. Student loan debt!!!

  193. I am telling my money to go towards improving and paying off our new house. Thanks for a great giveaway, I’d love to read this.

  194. My husband and I are already debt free, but still bought his book…his ministry/program is amazing and I give you serious kudos for this giveaway! You are giving away an opportunity for financial freedom. Awesome! There’s always room for growth, so even though we have no debt, we’re not as far ahead as we’d like to be, so we’re going on with it. Great post!

  195. My money’s going to debt!

  196. Erin Martin says:

    DEBT!!! We have a plan to be consumer debt free by the end of the year but it means really scrimping to make it happen!

  197. Building up our moving fund

  198. I subscribe to your blog

  199. My money will be going into a six month reserve fund. Why, because I say so!

  200. Ours is going to pay off the last of our debt, and save, save, save as I am quitting my fulltime job in June to stay home with our first child. This book would be a wonderful tool to have!!

  201. Our extra money will go straight to our house payment. We try every month to pay as much extra as we can to lessen the years that we have to pay on it.

  202. Our money is going to reduce the debt we racked up when I got a new job. Can’t wait for the freedom that will come when that is all gone! I love Dave!

  203. I subscribe to your feed in google reader!

  204. I tweeted about this giveaway! I’m @tromie.

  205. I subscribe to your blog

  206. I would put money into savings as well as pay off our debt (which is almost done)!!!

  207. We’re definitely saving for a second honeymoon for this year!

  208. I’m a subscriber!

  209. Would love to give this to a co-worker!

  210. My money is going towards DEBT. I want it gone. Thanks for the give-away! Would LOVE to read this book, then pass it on to other family members.

  211. I subscribe through RSS.

  212. I subscribe to your feed!

  213. Actually, all three. Most of our debt should be paid off by the end of the year, we’re trying to save more as the debts decrease, and we are planning a vacation.

  214. I subscribe to your RSS feed!

  215. We will be paying cash to finish our basement. With only 2 bedrooms and another kiddo on-the-way, we definitely need the space, but won’t be going into more debt to do it!

  216. I am a subscriber!

  217. Savings!

  218. Let’s see. My first choice for my money to go will have to be Vacation! We need the savings badly but we haven’t been on vacation as a family since my oldest was 1. He’s 10 now and has 3 younger siblings. Maybe that explains why we haven’t gone anywhere?

  219. I’m also a subscriber.

  220. Savings, savings, savings! We really need to bulk ours up this year.

  221. I subscribe through google reader! And the savings will go toward debt!

  222. Hopefully savings, more realistically daily living expenses and some debt!

  223. Since my husband just lost his job…all of our money will be going into our bank account!

    Thank goodness for our emergency fund! We have an actual emergency! I need this book now more than ever, and I’ve been on the waiting list at the library for over 6 weeks now…I’d love to win it!!

  224. Connie Corey says:

    Savings for various things – vacation, children X 3 educations, car insurance and repairs. You know, LIFE!

  225. Student loan….dang, student loan! I need this book!

  226. What a GREAT giveaway – I would want to tell our money to go to savings!

  227. My money is going to an emergency fund this year (thanks to blogs like yours we paid off the credit card last month… woo hoo!).

  228. I’m a subscriber!

  229. I subscribe in a rss reader.And enjoy all the posts!

  230. I retweeted – @DomesticContess

  231. Becki Miller says:

    Tell my money to pay off a truck loan that is a pain in my side and checking account EVERY month. It seems that I’ve been paying on this truck for 10 years, when it’s actually been six. My husband picked out and made the financial arrangements himself, so he got the SHAFT.

  232. Stacey Mitchell says:

    Debt, debt, debt!

  233. Becki Miller says:

    I am an RSS subscriber.

  234. sending the money to our new house, hope to pay this thing off before the kids hit college!

  235. We’re saving for retirement! In 1 year with less than 20K (no debts) we’ve gotten up to BS4! WOOT!

  236. I subscribe via email

  237. Anna Whiteside says:

    Putting our dollars toward debt!!!

  238. We are trying desperately to get rid of our debt, but it seems like it’s swallowing us! We need to get on the Dave Ramsey plan, but it’s so hard to get baby step #1 done.

  239. After nearly 2 years, we are finally done with Baby step #2 and moving on to 3-6 month emergency fund. I can’t wait to really start saving for retirement!! Thanks!

  240. We are working at paying down debt. It’s ‘legitimate’ business debt, but it’s still a huge burden!

  241. I subscribe!

  242. Debt and more debt, would like to have it paid off by the end of the year.

  243. I’m telling mine to go to savings and investments and mulitply!!!

  244. 1) Debt (from the darn house we can’t sell, even though we moved for my husband’s job 2.5 years ago!)
    2) Investing in my home embroidery business so I can stop working away from home for good and stay home with my sweet little ones!!
    3) Savings (we’ll be saving a little the whole time, but we’ll start putting all the money towards savings once we take care of 1 and 2!)

  245. I subscribed in Google Reader!

  246. All of our unaccounted for money is going to debt. Go debt snowball!

  247. I’m a subscriber!!

  248. I am telling my money to go into savings!

  249. I subscribe to your e-mail.

  250. Paying off our credit cards.

  251. Our new ( to us) vehicle that will accomodate our 3rd carseat arriving in June. We are paying cash thanks to 3 years of financial peace baby steps and continuing to work toward living 100% debt free!

  252. I subscribe to your email.

  253. We are paying off debt! Just had my first Financial Peace University class last night!

  254. I subscribe to your email! πŸ™‚

  255. We are selling our house in Southern CA (And taking out more $ than expected! Praise the Lord!), and are moving to the Pacific Northwest. We are going to rent for a year, so this year our money is going to house savings to buy a house next year, and also retirement savings.

  256. I am a subscriber! And Dave has been on my reading wish list for way too long!

  257. My money is going to pay down my credit card debt.

  258. Saving to pay cash for a new vehicle. New as in new to us…not brand new!

  259. I subscribe to your e-mail. :o)

  260. How weird, I was just researching the total money makeover today. My money is apparently going down the toilet and my resolution is to change it so this would help πŸ™‚

  261. I’m telling our money to go to our Home Equity line. It’s our last debt to pay off (except for the house!) Hooray.

  262. Hopefully most extra money will go toward debt, but probably some will go toward finishing fixing up our house.

  263. I totally *love* Dave Ramsey! Our money is going into savings so our kids can have interest-free loans for college or their first home. If there’s anything left, we’ll use it for retirement.

  264. I was already subscribed in my Reader, but now I have you coming in through email, too. Love your site!

  265. We just paid off our credit cards and need to build up our savings. We don’t want to get in debt again.

  266. Saving to pay down debt.

  267. I’m an RSS subscriber.

  268. You have my tweet. πŸ™‚ Thank you so much for this great opportunity. I have borrowed this book from the library, but do not have my own copy. Can you be *too* thrifty?

  269. Kim in AZ says:

    I would love to make my money pay down debts this year. Unfortunately, due to the economy, we are under-employed and making very little headway as a result. πŸ™ After the debts are paid off, we would love to save towards car repairs that we know lie in the future, and then a family vacation.

  270. We are tackling debt this year. Credit card and vehicle to be paid off by the end of the year.

  271. Heather A says:

    We’ll be paying off a little debt in the next month. Then, our money will be going to saving for retirement.

  272. Heather A says:

    I”m an rss subscriber.

  273. Where will my $$ go? Sadly, due to an error our tax preparer made last year, we owed a lot of money to the IRS. So, this year our return is going to pay back our emergency fund, which we had to use to pay what we owed.

    I subscribe on my Google reader!

  274. We are focusing on reducing our debt this year.

  275. I am an email subscriber.

  276. Student loans and some to the IRA as well.

  277. I am an email subscriber. LUV your BLOG!

  278. Dawn Davenport says:

    Our $ is going to pay down $ we borrowed from family for the down payment on our condo. Then to savings.

  279. We’re telling our money to go towards paying our debts.

  280. I subscribe via e-mail.

  281. Anne Marie says:

    My money will go to savings – retirement is too close!

  282. wish it could be savings or vacation but it’s going to pay of DEBT

  283. Anne Marie says:

    email subscriber

  284. I’ve heard such great things about this book. Right now are currently trying to put our money into savings. 6th baby is arriving early november and we are gonna need a new car and soon we hope to be able to buy a home. πŸ™‚

  285. Oh and I subscribe to your blog. πŸ™‚

  286. I am telling our extra $$ to go towards the bill collector debt from unpaid medical & some credit cards of DH from 5 yrs ago.
    I would LOVE to win a copy of this book, we went to a free financial peace university course on Sunday & the instructor told us FPU helps more with current debt & loads of credit card debt; not medical & stuff like ours so he wasn’t sure it would be a good fit.

    ….I’m hoping to find a way out that doesn’t involve declaring bankruptcy

  287. I’m also an RSS subscriber

  288. Imalimabean1 is my twitter. But I don’t know how to do what you asked. I’m Twitter illiterate. πŸ™‚

  289. We would use it to pay down debt. After some medical issues, it is sure needed. Hopefully Dave can help! πŸ™‚

  290. I also subscribe via email. Your site is GREAT!

  291. I will be telling my money to go to debt. The best part for me, is that my Husband is finally on board. I’m excited to see us grow during this time.

    njfoley at sbcglobal dot net

  292. This time around it has to go to debt! I would really love this book…given the success you’ve had.

  293. I’m also an email subscriber.

    njfoley at sbcglobal dot net

  294. I am paying down our debt and when that is accomplished everything will start going into savings. I just wish I had been a little more educated about finances when I was younger and I wouldn’t be in this mess now. Live and learn with age.

  295. I am already a subscriber by email.

  296. Lee Broom says:

    I’m looking to have an emergency fund, buy a car (outright) and pay back some family loans. I’d love to win this book! Thanks.

  297. my money would go to debt and savings. Once those are taken care of then I would put it toward a much needed vacation!

  298. Love Dave Ramsey! We are working on paying off 1 car loan, trying to avoid a 2nd car loan and slowly saving for a hawaiian vacation.

  299. DEBT!!!! Buying our first home, family vacations, and finally saving!!!!

  300. savings! we need to build are savings!

  301. i subscribe to email.

  302. LOVE this giveaway!!! Let’s see, will our money go towards debt? Vacation? Savings? Hopefully all of the above! Some debt first, then vacation (have to attend a wedding), then the rest in savings. I’m working on the budget tonight, so we’ll see what it looks like. I sure hope I win!!

  303. I just subscribed to email updates. I love your blog and read it every day! Thanks for the giveaway!

  304. We are working to payoff the van then snowball the money towards the house payment and some other bills.

  305. Debt for sure. I want to scream that I’m debt free!!!

  306. savings! our one car is about to bite the dust any day now. and we need a van because we are also saving before we ttc baby #2!

  307. subscribed by email

  308. This year half is going to bills and half is going to Disney!

  309. I’m a email subscriber

  310. I subscribe. We don’t have any debt other than the house, but unfortunately we bought a house that was too expensive for us. We’re trying to figure out whether to try to eke by, or sell.

  311. Our money is going to our 10 year wedding anniversary vacation to the Virgin Islands and also to Savings.

  312. Email Subscriber

  313. We are saving ours and hopefully a vacation.

  314. Debt – Debt and way too much debt! – Fertility and an adoption did us in but well worth the adoption – just need to get out from under the stress of it all – thanks for the giveaway!

  315. Putting back into savings what we have taken out in the last 4 months …..several hundred dollars. Then paying off 1 daughter’s braces, putting another child into braces and making 1 extra house payment before the year’s end. Whew! Would love this book! We do Dave Ramsey, I used to be able to listen to him on talk radio but our local station got rid of him, have never read the book.

  316. I subscribe

  317. We just purchased a new house (new only in the fact that it is new to us!) It needs a roof and new windows sometime within the next year so we are saving for those things.

  318. Christine says:

    I am having my 4th child in September so staying out of dept and having some extra money would be such a blessing.

  319. We’re socking most to our savings and then putting some toward finishing off our landscaping! Thanks so much for your giveaway ~ I love listening to Dave’s radio show!
    ljhc (at) comcast (dot) net

  320. I use all of my extra moolah (including coupon savings) to go toward paying off our Home Depot card. Almost there! After that all extra will go toward paying off our car and then the house. I’ve heard fabulous things about Mr. Ramsey.

  321. I’m a subscriber to your feed πŸ™‚

  322. We’d be telling our money to pay off debt that we need to get rid of. It seems like as much as we try, something always comes up (an excuse, I know)! Would love for Dave’s wisdom to show us the way! Great giveaway – thanks!

  323. Both retired. We have an autistic granddaughter who lives with her aunt. She wants a service dog for the child. They cost upwards of $20,000. Our goal is to use extra cash to help so that is where our money is headed.

  324. Hi fishmama…so interesting that you’re having this giveaway. Just introduced my husband to the Dave Ramsey idea of money management. Anyway, he wouldn’t let me buy the book! Said if I had already read about it online then what was the point? Lol, he’s the best husband ever so I don’t want to make him sound mean, he was just being practical. We’re telling our money to go into savings this year πŸ™‚

  325. Elizabeth says:

    Debt, savings and vacation. We are working to pay off debt and are slowly getting it under control. We are trying to get some savings together for a cushion and we are saving for a trip to go check on a elderly relative this summer.

  326. Heather Abbott says:

    We’re trying to pay off our debt so that we can finish our master bathroom upstairs (we’re currently sharing with the kids). Plus we’re trying to take a vacation to the beach, which we usually go in debt for and last year was the first year we had it fully paid for ahead of time, hoping to do that again. HUGE fan of Dave Ramsey, would LOVE to own Total Money Makeover!!

  327. We’re using all our extra money towards debt. It’ll feel great to finally get rid of those car and student loan payments!

  328. Amanda Y. says:

    Our money has been spent this year on many out of town trips to see sick family or funerals and replacing a sewer pipe. We are trying to save for spending money for our cruise this summer (which was paid for by my in-laws since I got laid off).

  329. Amanda Y. says:

    I’m a subscriber!

  330. we would like to pay off my student loan debt while still contributing to savings.

  331. i am a subscriber through Google Reader.

  332. Debt & savings! My husband finished med. school 8 months ago and we’re just coming up for air as we wade through all the debt. I keep checking Total Money Makeover out of the library and am slowly making my way through it…..would love to own it! thanks πŸ™‚

  333. Katherine says:

    We are working at getting out of debt. We are seeing some progress. We are compensating for years of bad decisions.

  334. Keri Markham says:

    Two things:

    1. Trying to pay off my husband’s truck. My goal is to add about $200.00 more a month.
    2. We desperately need a new fence. It is literally falling down.

  335. Keri Markham says:

    I just subscribed to LifeasaMom.

  336. paula ausbon says:

    To debt and savings. Also, to a copy of this book. Definitely need words of wisdom.

  337. Just subscribed to Lifeasmom.

  338. I tell my money to make more and to pay off the debt that has held us back.

  339. i’m telling my money to go to debt!

  340. i subscribe through google reader

  341. I tweeted! [madtownsprite]

  342. Debt. We’ve started digging out and have worked up a small momentum. We’ve decided to be weird and are loving it!

  343. I’m a subscriber already!

  344. we’re putting money slowly but surely to our debt. we don’t have a lot of debt, but we don’t have a lot of extra money either! it’s slow going but we’re getting there!

  345. i’m an rss subscriber

  346. To pay off debt

  347. My money is going toward sending my daughter to a Christian school next year.

  348. Mortgage. πŸ™
    We are working very hard to tell our money where to go!

  349. Unfortunately we have debt. But I have read and researched and put into practice every money saving technique I can. My husband is doing online school to finish his college degree and then we hope he will have a steady income on a church staff and we can get our finances straightened out. Would love to win!

  350. Student loans!

  351. subscribe to your rss feed in google reader, love your blogs, one of my favorites I follow πŸ™‚

  352. We are actively working to pay down our debt!

  353. I’m going to put my money towards saving for the down payment for our first home. We live in Southern CA, so that’s a lot of money!

  354. My income tax refund is going towards my last credit card debt.

  355. I follow your blog via e-mail.

  356. I just discovered Dave Ramsey myself! His ideas make so much sense and the “baby steps” make them easy to understand and follow. I would tackle debt first, stop using charge cards and start saving!

  357. We are telling our money to go toward refinishing our 16 year old wood floors (original finish is nearly gone, kind of like “Little House on the Prairie.”)

    And, managing to keep our kids in the activities that they love and that they are learning and growing a great deal from, while spending less than we make.

  358. I subscribe via a reader.

    I’ve heard good things about Dave Ramsey’s book…I’d enjoy having a chance to read it.

  359. I’m not sure that I can enter as I live in the United Kingdom but wanted to say that I would pay more off my mortgage. Kaje

  360. I need my money to go to savings. we have no rainy day fund and I’m tired of being in the storm without a life preserver. Boy could I use this book!

  361. It will go to debt!

  362. Debt, for sure. We are working hard to chip down our debt and have heard wonderful things about Dave Ramsey. I think his book could/would really help us.

  363. I subscribed via email.

  364. Marilyn K says:

    Getting so close to paying off our credit card…will be finished this year! Can’t wait! And also working on savings for college/retirement. Thanks for doing this giveaway!

  365. Marilyn K says:

    I subscribe to emails.

  366. Our money is going towards “debt.”

  367. I follow you blog via “email.”

  368. Debt- we love the new credit card bill that shows how long it will take to pay off at our current payments and how much we should pay to pay it off faster- this has been helpful. We have been waiting for a Financial Peace University class to be offered at our church and I would love to read this book first!

  369. Our tax return went toward paying extra on our mortgage and paying off the appliances (financed on an interest-free account). With what little was left, we’re getting a few fun things for ourselves – like jeans, a purse, etc.

  370. i also subscribe via e-mail

  371. I am subscribed using iGoogle. My money will be going to my mortgage and savings.

  372. I want my money to pay down debt so there is less stress about the unknowns that happen in life. Love your blog! Keep it up.

  373. DEBT! We have so many financial burdens–I want to finally learn how to ease them so we can really enjoy life with our gorgeous boys and pay it forward!

  374. Subscribed–thanks for the great posts!

  375. Ours is going to be split between savings (the last little bit of our baby step one emergency fund) and kicking off our debt snowball!

  376. I subscribe via e-mail.

  377. I tweeted the giveaway. My twitter handle is leah2021.

  378. We are moving back to California this summer and want to make a clean start! This book would help give us the tools we need to save even more!

  379. I’m a subscriber!

  380. My money is going to take us on a mini-vacation to New York in October, while I also attend a conference. The rest is going in savings.

  381. I’m also a subscriber via RSS

  382. I will be using the money to pay off past doctor bills (from when we didn’t have insurance), and other debt! Also hope to save for a house!! and SAVINGS!! πŸ™‚

  383. Subsribed too!! Thanks!!

  384. Erin Szczepanek says:

    Our money will be paying off our car loan!! Can’t wait!

  385. Our money is going to go towards our living expenses as I change to part time job status from full time-I want to be home so badly and truly am commited to doing what it takes. We are also going to try our best to continue to pay off our debt.

  386. We’re saving our money for a hefty down payment on a house, and for some necessary improvements on our current house before we try and sell.

  387. Also, I’m already a subscriber!

  388. Debt! We’re just this year (since January) getting serious about debt repayment. It feels GOOD. There is also a ‘blip’ in the repayment this year, as my sister is getting married January 2011 and we are saving to send me to her destination wedding. πŸ™‚

  389. i also subscribe to your blog (and I LOVE it! )

  390. A. McGuire says:

    Our family would pay off medical debt, a debt that was completely out of our hands. Because of it, we are unable to save and it follows us and taints our credit like the black plague. Without it, we could start college funds, have a savings account… maybe even take a much needed family vacation! We need help and for 6 years we haven’t been able to do it, maybe Dave can help.

  391. A. McGuire says:

    I am also a subscriber!

  392. We’re paying off THE STUDENT LOAN – that ominous and long-lasting debt!

  393. I subscribed via email. πŸ™‚

  394. Money is going towards student loans! Just paid off our van and credit card….all that’s left is student loans and mortgage! Woohoo!

  395. Thank you…I just started listening to Dave’s podcasts and am inspired to take control! We are working on our debt.

  396. I subscribed via RSS (Google reader)!

  397. We are building a house this year- so every spare penny will go toward that!

  398. I’m an email subscriber!

  399. Savings. After being unemployed almost 2 years and my husband for 15 months, We need to bulk up the savings again!

  400. I subscribe via Google reader.

  401. Well, we don’t actually have “debt” aside from our mortgage but we do use credit cards each month and then pay them of the following month. You did a post a while back talking about the dangers that can lead to since it means that you are essentially paying last months bills with this months income.

    This year I’d like to get it so that we are paying the bills with cash we have right now and establish an emergency fund!

    jennifer (at)

  402. We put our tax money towards a much needed new to us vehicle. We paid for 75% of the total cost in cash.

  403. I subscribe via email.

  404. This year our money is going to our usual expenses and savings. All our credit cards are paid off. We only have the mortgage to go. So we’re working on our emergency fund at the moment.

  405. I’m hoping that we’ll be putting some money into savings/emergency fun this year . . . things have been tight so far, though (my hubby is self-employed in construction–not the best field to be in right now), but thankfully we still have a little cushion there. πŸ™‚ Would love to win this book–I am a big fan of Dave!!

  406. And I already subscribe via Google Reader!

  407. Unfortunately we owe money this year… not too much but, it isn’t fun. I really need this book.

  408. I am already a follower.

  409. We’ve gotten rid of our debt so now we’re saving up to have a big down payment on a house because real estate is expensive in our area.

  410. I follow you on Blogger.

  411. We are putting our money toward debt! Can’t wait until it is gone!

  412. I am an RSS subscriber

  413. I subscribe – thank you!

  414. We’re trying to build up a good size emergency fund. I don’t want anything else to take us by surprise.

  415. I’m subscribed!

  416. Debt free but the house and this year we’re telling our money to go to fixing up the house. We have 6 children, to the house has taken a beating. We’re painting, repairing, replacing bathtubs, painting, and more painting.

  417. DEBT!! I just found Dave (too bad it was a few years too late to spare us lots of “stupid tax!”

  418. Savings for a new car.

  419. I subscribe to a RSS feed.

  420. Debt and savings!

  421. I am a follower

  422. Yvonne Fortin says:

    I am a subscriber, please pick me!

  423. Yvonne Fortin says:

    Your posts on your experiences with Dave Ramsey have been very inspirational. My husband and I have always been very good with our money, but when I went on maternity leave, all of our carefully laid plans went bust, and now we are teetering on the edge of almost no savings, and our once 0 balance credit card has a whopping (to us!) 6 grand balance we cant seem to diminish. We would love a chance at this book, to get back on track as you did. Please pick us!

  424. We’ll be paying off debt this year.

  425. Pay off our car loan, then pay more on our mortgage!

  426. Paying off the last debt… the student loan.

  427. I’d like to start a college saving account for my kids…

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