More Than Enough – Dave Ramsey

More Than Enough - Dave Ramsey

I have realized that the lessons money teaches us are no only financial, they are spiritual; they create new character qualities; and they will improve your relationship with your spouse, family, and loved ones.  After more than five thousand hours of answering financial questions on “The Money Game” I have seen again and again that money is just the method that the Great Teacher has chosen to expose and correct our flaws as well as give us “ataboys” for a job well done.

Do you feel like I am going overboard?  I’m not if you want excellence in your life, relationships, and finances. You see, if you want uncommon results you have to think and do thinks that are uncommon.  If you want things you have never had, you have to do things you have never done.  Vince Lombardi said “The quality of a person’s life is in direct proportion to their commitment to excellence, regardless of their chosen field of endeavour”.

Albert Schweitzer said: “Man must cease attributing his problems to his environment, and learn again to exercise his will, his personal responsibility”.  Enough whining, I am sick of whining… Whining is a sign of lack of character on your part.

When bad stuff happens resist the human urge to blame and instead join the elite group called the doers.

I have had she-bears get violent with me for suggesting that purchasing $178 tennis shoes while the electric bill is not paid is stupid.  There is an old Danish proverb that says if you give a child everything he wants he cries and a pig everything he wants when he grunts you will have a fine pig and a sorry child.

James Baldwin says that children have never been very good at listening to their elders, but they have never failed to imitate them.

Ready for a test?

  1. What missing or twisted value has been holding me back?
  2. What could I do this week that would give me more connection to my spouse, my child or my best friend?
  3. Are there any ways that I could better show my boss my loyalty tom job and my coworkers?
  4. What activities am I involved in that I could fire myself from that would simplify my life?

Proverbs 9:18 says “Where there is no vision, the people perish” Perish as in die? YES.

The six figure earners all think in five year blocks or more of time. They are very unconcerned about today except for how today is a building block toward their vision, which may not be fully realized for another twenty years.  They think long term in all decisions.  Six figure earners think about the long term implications of every move they make and don’t make those moves unless they move them one step closer to their vision.

Short term thinking is why the poor get poorer.

Vision will make you an investor instead of a consumer; it will make you think ahead five, ten, or twenty years instead of only thinking about today or tomorrow.

Separating your money when you live in a couple only put you in the spiritual and emotional position of separation: You remember, what do you do right before divorce?

Patrick Overton: “When we walk to the edge of all the light we have and take that step into the darkness of the unknown, we must believe that one of two things will happen, there will be something solid for us to stand on, or God will teach us how to fly”.  Hope moves us forward when logic and energy are gone.  Hope is a motivator.

Soup is good for you:  Go to your local homeless shelter and volunteer to serve soup.  Take your mate and your kids with you; it will do the family good to reset the view of reality.

Most folks don’t know what real problems are, and the serving of soup will make you ashamed for having worried about whether there was enough in the budget to gibe Barky the schnauzer a haircut.

*Use a symbol of hope: Be it a light house or something else as a way to raise your chin toward heaven when you lose directions.

Sharon and I have made a pact that nothing major financially will be done without agreement with the other.

So if you are trying to get your wife to share in budgeting and planning you need o treat her with respect.  Try approaching her like this:

  • Honey, I’d really like to have your advice on our budget.
  • We need to think about how we are going to save money, but I cannot do this without you.
  • Our future is important, and both of us need to plan it together.

Andrew Carnegie said: “The average person puts only 25 percent of his energy and ability into his work.  The word takes off its hat to those who put in more than 50 percent, and will stand on its head for those few and far between souls who devote 100 percent”

“What is the first requirement for success?” Thomas Edison was asked. His answer? It is “the ability to apply your physical and mental energies to one problem incessantly without growing weary”. If you get up at 7 AM and go to bed at 11 PM, you have put in sixteen good hours, and it is certain with most men that they have been doing something all the time.  The only trouble is that they do it about a great many things, and I do it about one.  If they took the time in question and applied it in one direction, to one object, they would succeed”.

Focus has the power to create permanent change where nothing else will or can.  You can focus. You can endure anything for a short period of time. Six months, a year, or even eighteen months, compared with the rest of your life it is a very short period of time.  

The mother of more: Momentum.

Voltaire said: “Work keeps us from three evils: boredom, vice, and poverty”.

Work is doing it. Discipline is doing it every day. Diligence is doing it well every day.  Diligence is not just showing up, or just showing up every day; diligence is showing up every day with Excellence.

St. Ambrose said: “Work like it all depends on you and pray like all depends on God”.  Prayer is vital, but God is not in the business of rewarding lazy.

Jim Rohn says: “You will build more wealth if you trick yourself into discipline.  The pain of discipline weighs ounces, but regret weighs tons”

Teach the children: There has never been a child born who gets up every morning, makes his bed, cleans his room and brushes his teeth without instruction.  By removing work from a child’s life you cripple them.

It would be a shame for any of us to have discipline in just one area such as building up wealth and not have the health to enjoy it, the relationships with spouse and family to share it.

Patience is golden because it will increase the satisfaction you take from achieving your goals and desires.  And patience is golden because it is formed from heat much like pure gold is.  To purify gold the goldsmith of old would stoke the fire to bring the gold to a boil, and as the gold boiled the dross, the impurities, would rise to the top. The goldsmith would skim off the junk until he could see himself.  Problems that we face, the heat of life, make the junk come to the surface, and God skims the junk out of our lives until He can look at us and see some of Himself.

A lack of patience causes debt.

Patience is growing up.  Patience knows that one definitions of maturity is learning to delay pleasure.

Patience will cause you to build wealth because you are willing to save and pay cash instead of borrow.  When you don’t have any payments it is easy to save and invest enough to become wealthy in just a few years.

The Goose with the Golden Egg: they were becoming steadily wealthy, then greed kicked in, now they had no goose and no more eggs.

** If you are not listening to your spouse sit down tonight for at least twenty minutes to talk and listen.  Remember to listen even if you don’t care about the curtains she wants to buy.  Chose one night each week when the two of you will forgo TV and listen to each other.  Learn the count-to-five rule.

Try letting the kids plan one Saturday a moth. Yes, you may end up sitting through some activities you’d rather not, but you will not only learn patience, you will also gain years of memories and shared time with your children.

When you have contentment you can easily get out of debt.  When you have contentment you can easily save and invest.  When you are content it changes your giving habits and your relationships.  When you are content it brings an inner strength that will push you into another zone.  You are able to move fast or slow, and you are able to have patience or intensity when you are content.  Contentment is a magnificent personal gift.

Contentment is not apathy and yet we often confuse the two.

What is that causes one couple to be able to prosper on an annual income of $35.000 while the other is heading toward bankruptcy with over $84.000 in yearly income?

*** Juliet Schor in The Overspend American: Research shows that each added hour of TV viewing per week increases the spending by roughly $200 per year.  So an average level of TV watching of fifteen hours per week equals nearly $3.000 extra spent per year!

The Bible says in Proverbs 28:20 “A faithful man will abound with blessings, but he who hastens to be rich will not go unpunished”.  The reason the get get-rich quick folks are punished, usually by losing their riches, is because character is more important than circumstances in the scope of eternity.  Get-rich-quick folks still need to mold their value system into one that can truly find happiness. They are looking for love in all the wrong places, so the punishment is not for the offence off trying to get rich quick, the punishment is a course of correction so that we learn to look for contentment and happiness  where it can really be found.

In order to have deep, abiding contentment in your financial and relationship decisions, you have to reach the pint you just don’t care what “people” think.  I drive a ten year old car with over 150,000 miles on it and I keep it in near perfect condition.

My pastor told me that his father had to walk 6 miles to work, they would come into the home with dust to his knees from the six mile hike, and he would wash and sit down to eat.  Each night they thanked God of honest work.  My pastor said he never once heard them whine about the circumstances.  Where have those men go? Don’t get me wrong, I don’t want to walk six miles to work, but where have those men gone?  Those were people of deep character who understood that not having everything was not the end of the world.

Hate is not the opposite of love, apathy is.

Why does “giving” work in the formula for more than enough? Giving works because you are designed to be a giving being.  Your wiring schematic is built for giving.  You are made in God’s image and He is a giver; so that means in order for you to be all you can be you must be a giver too.  Your emotions, spirit psyche and even your chemistry are changed to a higher level when you give.  When you give creativity is enhanced.  When you give, passion, joy and intensity come to you like waves crashing at the seashore.

After one of my seminars a pastor approached me.  He said that in 35 years of ministering a large congregation he had never had a couple file for divorce who gave their Christian tenth of their income.

When you give you are getting maximum horsepower out of your personal design.  People who don’t give are stopped up.

You are planting seeds when you give and when you don’t give.  If you plant nothing, by default you planted weeds.  If you plant corn don’t scratch your head and wonder why you got corn. The earth and life will return to you what you plant in great abundance.  The sad thing is that most people don’t plant and are real confused as to why they get a great crop of weeds.  You must plant on purpose what you want, become a farmer for life.

“Money is a terrible master, but an excellent servant”.  If you want to be a powerful giver you should view your wealth as the goose and give the golden eggs.  If you give away the goose, the golden eggs are gone, and so is your ability to help others.  Those of you who think “those nasty rich people should be made to give up the wealth they have earned” are not only stupid, your shortsightedness kills the goose, and the poor are not really helped.

Many off the wealthy understand it is not a privilege, but instead a great responsibility to have wealth.

Andrew Carnegie said: “surplus wealth is a sacred trust which its possessor is bound to ADMINISTER in his lifetime for the GOOD of the COMMUNITY

This release of emotional ownership is called generosity.  The folks who are able to emotionally release the ownership of stuff and feel more like managers don’t worry as much.  This release of ownership virtually guarantees that as you build wealth you won’t become arrogant.  It is very hard to be arrogant about something you manage for someone else ( God ). Remember that is the emotional position those who have more than enough put themselves in.

Prosperity may be a bigger test than poverty when it comes to exposing your weaknesses.  Fear, worry, selfishness, and arrogance are all some people get with wealth.  People who get it know that a firm grip on the money is not the path to happiness and fulfillment.  True prosperity is not wealth, it is “more than enough”, which can include wealth, but must include the loose holding of that wealth.


How To Travel The World on $50 a Day – Matt Kepnes

How to travel th the wold on $50 a day
Matt’s page

If your rent it $900 per month, that’s $30 per day, which is 60% of the daily budget set out in this book Add in food costs, gas, insurance and cable, and your set expenses are mostly higher than the number you need for a year abroad.  And that’s before you have done anything else with your life.

Round the world tickets:  Oneworld.  It is the RTW pass you can buy.

RTW alternatives:

The best search engines are those with no affiliation with airlines, and those who make their money on advertising, not commissions:

I highly recommend the site or

Get a travel discount card: YHA, youth hostel association.

If you really need your mail while abroad you can sign up to

There are four major hospitality exchange organizations:

When I am looking for a couchsourfing host, I use the following criteria to ensure the host is legitimate:

  • There has to be a picture with the profile.
  • The profile has to be filled out completely.
  • There should be reviews from other users.
  • Though not necessary.  I like when people have been verified by Couchsourfing.

Last minute hotel deals:

House Sitting:


Service Apartments:

If tap water in your part of the world is not drinkable you can use Steripen the best reference website on Asia.

Southwest Asia booking:  There are not many online resources for booking online, however there are three that are worth mentioning.


The ultimate Cheapskate’s roadmap to true riches – Jeff Yeager

The ultimate Cheapskate’s roadmap to true riches
The ultimate Cheapskate’s road map to true riches – Jeff Yeager

“Please forgive my husband, he has spending phobia”

Conduct your own “what the hell was I thinking” audit each week / month.

Never ever go first when negotiating, always negotiate from a position of nice.  “ Do you have a special discount for nice guys like me?”.  Also “people give to people they like”

Diet based of foods costing 1 dollar a pound?  How much money do you spend demolishing your health with crappy food? Then how much money do you spend trying to repair it?

Uses for vinegar:

The not so big house *****

Would anyone drive a 60.000 car if no one were there to see them in it?

Energy and equity:

Live well without a car… Chris Balish *****

The cheapskate: someone who proudly consumes less and conserves more, because it increases the quality of his own life and the lives of everyone else on the planet.

Good health means good wealth, also there is a strong correlation between good health and good wealth because of the awareness of small errors in judgement.

Once we’re above the survival level, the difference between prosperity and poverty lies simply in our degree of gratitude. —Your Money or Your Life, by Joe Dominguez and Vicki Robin.

If you’re up for a cheap challenge, I’ve posted an annotated version of the official Cheapskate Next Door Questionnaire on my website,, so you can see how you stack up against the cheapskate next door.

You need to do the math and figure out how much something costs based on how long it’s going to last, not based on how long you’re going to keep it before you throw it away.

Amish or not, when the cheapskates next door shop for things like furniture, homes, automobiles, and even clothing, they tend to approach it as an exercise in acquiring assets rather than simply buying disposable commodities.

Julia told me: “One of the most useful ideas I was ever exposed to was the idea that the object we wish to purchase really represents a feeling we want to have. A woman buys clothes so that she can ‘feel’ attractive. We buy houses in certain neighborhoods to ‘feel’ secure … and ‘feel’ respected and of higher status. Once I understood that idea, I was able to break the connection between the object and the way I felt, which opened up a whole world of other possibilities (for getting what I really wanted). If what I really want is to feel attractive, perhaps I can try a new hairstyle, combine my existing clothing in new ways, or buy used clothing at a fraction of the price.”

“It took a while for me to explain to our kids that if a company needs to advertise its products all over the place, there must either be something wrong with it or it’s something that people really don’t need”.

The best way to double your money these days is to fold it in half and put it back in your wallet.

“If you can’t afford to pay for it now, you can’t afford it.”

“That’s one of the primary reasons we don’t own a television,” Wayne Curry told me. “We don’t want our kids to be seduced by all that advertising … The advertisers aren’t just trying to get inside the kid’s piggy banks, they’re trying to recruit our kids against us, so that they’ll try to tell us what we need to buy.”

Toy libraries are often operated in conjunction with existing book libraries, and sometimes they are established as independent organizations. Contact the USA Toy Library Association ( for a directory and more information, or get involved in your local public library and encourage them to add a line of donated toys.

buying them used on websites like,,, and You can also rent textbooks at Always find out the exact International Standard Book Number (ISBN) of the textbook you’re looking for, and go online at to compare prices from various retailers.

Americans are only 5 percent of the world’s population, but we consume roughly 30 percent of the world’s resources.

Unplug electrical leeches when they’re not in use, or for greater convenience attach multiple appliances to a single power strip (like my favorite, the Gem Sound SP-8500) that can easily be flipped on and off. Savings: A 10 percent savings on the average U.S. household electric bill would be more than $120 a year.

Xeriscaping: landscaping in such a way as to eliminate the need for supplemental irrigation (see

Bottled water is 240 to 10,000 times more expensive than water from the tap, usually costing more than $10 a gallon … Think about that the next time you complain about gas prices.

*** Emergency Food Storage & Survival Guide (Three Rivers Press, 2002).


Freecycle Network (see Cheap Shot), but a complete directory of local reuse groups is available on Also check out and the “Free” stuff listed in the For Sale category for each city featured on

Free software ( Free alternative to Microsoft Office. Bill Gates, watch your back, there’s a cheapskate on your tail. Free meals for the kids ( A nationwide directory of thousands of restaurants where kids can eat for free when accompanied by an adult. Free audio books ( Volunteers record books found in the public domain (i.e., no longer covered by copyright), and you can download their recordings from this nonprofit website. Free calling ( Use Skype software and worldwide computer-to-computer calling is free. Another cheap—but not free—favorite is the $40 magicJack device ( in canada that plugs into the USB port on your computer and allows you to make unlimited local and domestic long-distance calls for $20 a year. Free foreign languages ( Jumpstart your training in a wide range of foreign languages using these online audio and visual teaching tools, compliments of the British Broadcasting Corporation. Free puppy love ( Search a nationwide index of pets available for adoption from humane societies and other animal shelters. Free stuff on your birthday ( An unscrupulous acquaintance of mine claims it’s his birthday whenever he eats in a restaurant. Based on the number of free pieces of birthday cake he’s finagled, the jerk is over 1,200 years old. Check out this website for an impressive list of legitimate freebies you’re entitled to on your birthday. Free wheels ( Plan your travel around transporting someone else’s car, and you’ll avoid rental fees and other costs. Free cocktails ( I stopped at a tavern once on the Tour de Cheapskate that had a sign above the bar reading free beer tomorrow. I was so excited that I changed my travel plans so I could go back the next day to partake. The sign said the same thing the next day, but the bartender got a good laugh out of it. MyOpenBar can help hook you up with free—or really cheap—drinks in various cities. More free stuff!: Other top sites for product samples and all things free include:,,,, and the granddaddy of free-stuff websites,

*** The Scavengers’ Manifesto (Tarcher, 2009).

Travel the world without having to pay for overnight lodging? CouchSurfing (

As a child my family’s menu consisted of two choices: take it or leave it. —Buddy Hackett

Google “promotion code”

Online barter clubs, like and, help facilitate trading. Some barter sites allow users to trade goods and services for credits instead of actual stuff, thereby increasing trading flexibility. Credits can be redeemed at any time for the goods and services you want, rather than depending on finding a swapping partner who just happens to be looking for what you have to offer, when you have it to offer. Specialty bartering websites are popping up on the Internet like cheapskates at a going-out-of-business sale. Your can swap books at sites like and, trade kids’ stuff at and, and swap just about everything else at You can trade clothes, shoes, accessories, and even cosmetics at, and specializes in music, DVD, book, and video game trading.

Help you trade your time for the services and goods you need, all without the exchange of money. “Time banking” (

And at, you can swap your time walking dogs or washing cars, for example.

They swap plants with friends and neighbors and at plant-swap meets (see

On the other side of the debate are cheapskates like Tim Cuddy. “Ninety-nine percent of coupons are for overpriced, overpackaged, overprocessed crap that you don’t need and isn’t a good value even with the coupon! Crap is crap, no matter how much you save with a coupon!”

Menu mug shots: I was surprised by the number of cheapskates who mentioned in passing that they keep a photo album of favorite recipes and meals they’ve cooked as a reminder and inspiration for future menus.

“Eat more soup”: One of the touchstone questions I like to ask cheapskates is, “If the economy totally falls apart or you have a personal financial emergency, what would you do?” The answer time and again: “We’d eat more soup!” In good times and bad, we cheapskates love our soup. It’s the economical, healthy, easy way to make a meal out of what you have and what you can afford.

BOILED OMELETS FOR A BARGAIN BRUNCH When entertaining, brunch is the occasion of choice for many cheapskates. Breakfast foods tend to cost less, with breads and dairy products as the star attractions rather than meats and alcohol.

Give everyone their own quart-size ziplock bag with their name written on it in permanent marker. Guests crack a couple of eggs into their bags, add a dash of milk, and choose their own omelet ingredients from a large selection displayed on a serving tray. The ingredients—bits of meat, shredded cheese, diced veggies—can literally be leftovers from the fridge, tiny portions of each, and the more bizarre the better. Pickled onions, celery tops, or capers, anyone? Seal each bag with no air trapped inside, shake it up good, and drop them all in a large pot of boiling water for fourteen minutes. You’ll be amazed at the perfect omelets that emerge, probably costing less than a buck apiece and healthfully prepared without butter or oil.

Two favorite slow cooking recipe websites of the cheapskate next door are: and

Check for fine wines at fine prices. The secret to their 20-to 40-percent discounts? As the name implies, they sell quality wines that have been in a little accident … like the label on the bottle was damaged in shipping or has been replaced with a new design. Cheers!

If there’s a new car sitting in your driveway, you probably can’t afford it. Are you parking your stupidity in the driveway for everyone to see? “People think that if they can make the monthly car payment, they can afford the car. People also think that having a monthly car payment is a fact of life,” Miser Adviser Carl Weiss told me, shaking his head with disbelief. And that’s just the mindset car salesmen are hoping that you’ll walk into the showroom with, because boy, do they have a deal for you.

“Keep a continuous list of clothes you need to buy. NEVER buy anything if it’s not on the list … and then only if it’s on sale.” —Miser Adviser Betty Jacob Once again, organization and premeditated shopping saves the cheapskate mucho dinero.

Buy an Entertainment Book ( for the area(s) you’ll be visiting for savings on travel, dining, and special attractions. See Chapter 8 for other savings tips on restaurant meals when you’re traveling, including discount-meal gift certificates from

Deeply discounted travel deals on sites like and

The world that are affiliated with the nonprofit organization Hostelling International ( Buy an annual membership for $28 ($18 for seniors, and free for kids under eighteen) and you’ll have access to special discounts on travel and at hostels in more than eighty countries, which charge a nightly fee of about 80 percent less than hotels in the same locations. Plus you’ll have use of the hostel’s kitchen if you want to save even more by cooking some of your own meals.


Link to book on Amazon: The ultimate Cheapskate’s road map to true riches – Jeff Yeager

Your Money The Missing Manual – J D Roth

Your money, the missing manual
Nobody cares more about your money than you do. the advice that others give you is almost always in their best interest—which may or may not be the same as your best interest. Don’t do what others tell you just because they’re compelling. Get advice from various folks (and books like this one), but in the end, make your own decisions.

Action beats inaction. It’s easy to put things off, but the sooner you start moving toward your goals, the easier they’ll be to reach.

To build wealth, you’ve got to spend less than you earn.

American culture is consumption-driven. the media teaches you to want the clothes and cars you see on TV and the watches and jewelry you see in magazine ads. Yet studies show that people who are materialistic tend to be less happy than those who aren’t. In other words, if you want to be content, you should own—and want—less Stuff.

Caught Up in the Rat Race typically, as your income increases, your lifestyle grows with it. When your boss gives you a raise, you want to reward yourself (you deserve it!), so you spend more. All that new Stuff costs money to buy, store, and maintain. Gradually, your lifestyle becomes more expensive so you have to work harder to earn more. You think that if only you got another raise, then you’d have Enough. But in all likelihood, you’d just repeat the process by spending even more. Psychologists call this vicious cycle the hedonic treadmill.

Is this spending aligned with my goals and values?

Idea: Checklist before buying something.

40% of happiness comes from intentional activity—the things you choose to do. Whereas circumstances happen to you, intentional activity happens when you act by doing things like exercising, pursuing meaningful goals, or keeping a gratitude journal.

It’s not how much you have that makes you happy or unhappy, but how much you want. If you want less, you’ll be happy with less. this isn’t a psychological game or New Age mumbo-jumbo, it’s fact: the lower your expectations, the easier they are to fulfill—and the happier you’ll be. that’s not to say you should lead an aimless life of poverty; quite the opposite, in fact. But most people confuse the means with the ends. they chase after money and Stuff in an attempt to feel fulfilled, but their choices are impulsive and random.