Frugal Coupon Living

Stretching Your Pennies, Saving Your Dollars

Closed. Giveaway – Ultimate Dave Ramsey Pack #wingiveaways

This post may contain affiliate links or ads. Read my privacy policy and disclosure policy here.

by Filed Under: Giveaways, Review, Win Giveaways

published date: March 21, 2011
modified datt: March 29,2011

This giveaway is closed. Congratulations goes to Beth!

If you’ve followed me for any length of time, you know I’m a fan of Dave Ramsey’s approach to financial freedom:  To get out of debt the same way you learned to walk—one step at a time!  Dave has taught the principles of managing  and budgeting your money, getting out of debt, building wealth, and living in financial peace to millions via radio, books, Financial Peace University, live events and online.

Dave Ramsey’s mission to  help others learn how to get out and stay out of debt began in 1992, after losing everything himself.  He wanted to learn everything he could about money so that it could not control him ever again and teach others to do the same.  At first he offered counseling to others going through financial loss.  A short time later, his radio show began and he wrote his first book, Financial Peace.   Now he has more books, a whole array of educational series, including the well-known Financial Peace University (FPU), a TV Show on Fox Business Network and still runs the radio show, now called The Dave Ramsey Show.

His proven method is to use the Seven Baby Steps starting with a small emergency fund and then snowballing that debt.  There are so many resources for families, including budgeting and tracking worksheets online, free with My Total Money Makeover subscription.  But I love that there are also products to help parents teach our children about money.  Dave believes it is so important to give these future adults a great foundation so that they hopefully will not make some of the same mistakes many of us have made.  He also has products and seminars directed toward helping businesses operate with integrity and without debt.

Dave’s desire to provide common-sense education and empowerment which gives HOPE to everyone from the financially secure to the financially distressed is felt every time he is on the air!

Some of his great tools include:

Kids Monster Pack ($49.95): it is always good to start good habits early. The Kid’s Monster Pack will start showing your children how to handle money from a young age. Kit includes Financial Peace Jr., all 6 of Dave’s illustrated kids’ books, plus the NEW Junior’s Adventures 6 CD Audio Set.

Financial Peace University Lifetime Membership ($109): Kit includes Full-Color FPU Workbook, High-Quality Audio CD Library with all 13 lessons, Durable Envelope System (my favorite), Financial Peace Revisited book, a lifetime membership (you and your spouse can attend an FPU class anywhere, any time, at no extra charge!) and more!

Starter Pack ($49): The Total Money Makeover Book, Money Answer Book, Cash Flow Planning DVD, Dumping Debt DVD, Designer Red Envelope System and Dave’s Budgeting Software (CD-ROM).

6 Month Subscription ($59.70): Your “how-to” place online! Site includes tools, baby steps outline, Dave’s show (commercial free), and forums for discussion with other community members.

I am excited to share that One Frugal Coupon Living Reader will win a mountain-load of products form Dave Ramsey and Financial Peace University.

Products include:

Would you like to save this?

We'll email this post to you, so you can come back to it later!

  • Kids Monster Pack
  • FPU Lifetime Membership
  • Starter Pack
  • 6 month subscription to MyTotalMoneyMakeover.com

For more opportunities to win, visit:

To stay up to date on all the hot items, check out Win Giveaways and Frugal Coupon Living’s Facebook Page. Make sure you like us to stay up to date with all the giveaways when they are released. Follow on Twitter @wingiveaways, @FrugalCouponMom and #wingiveaways for tweet announcements.

To Enter the Giveaway:

You can enter up to four times – that would mean, leave one to four comments.  You do not have to enter more than once but you DO have to complete the first entry to enter with choices two through four.

1.) Share with me your favorite financial tip.

Additional Optional Entries:

2.) Sign up for Frugal Coupon Living Emails. You must confirm your subscription!

3.) Share on Facebook. While there, be sure to like Dave Ramsey and  Frugal Coupon Living.  Leave a message below telling me that you did.

Win a Dave Ramsey Prize Package on Frugal Coupon Living http://bit.ly/g4nlQM

4.) Share on Twitter While here make sure to follow @FrugalCouponMom and @DaveRamsey. Leave a message below letting me know that you did.

#Win a HUGE @DaveRamsey prize pack on @FrugalCouponMom #wingiveaways http://bit.ly/g4nlQM

This giveaway ends on Monday, March 28th at 3 p.m. (EST.) The winner will be contacted via email and will have 72 hours to respond. If I do not hear from the winner by that time, a new winner will be selected

Please Note: Email entries will not be accepted. If you are reading this giveaway in a reader or in your inbox, please select the post to direct yourself over to the site. Due to time constraints, I am not able to enter email, Twitter, or Facebook entries on my own. Thanks!

Disclosure: I was provided with the above Dave Ramsey Products for review.  All opinions expressed are my own and should not be substituted as your own.


WHAT’S TRENDING? Looking for a few engaging activities? Grab Minute to Win it Games – Traditional, Holiday, Group, and more! Use these fun activities in the office, classroom, or at your next birthday party.

Last Updated on March 29, 2011 by Ashley at Frugal Coupon Living

Comments

  1. Kristi F. says

    I have heard a little about the different envelopes for cash. Sounds like a good idea.

  6. Dianne says

    Our favorite financial saying is “Live in your box.” Meaning within our means rather than trying to keep up with the Joneses!

  16. Corie Devall says

    We love Dave Ramsey!! Listen to him on the radio!!! Have read his book!! We have have been using the envelope system for awhile now and it is awesome!!! We are also working on paying off one of our credit cards – Dave gives us so much hope as we listen to him!! Thank you for this offer!!

  17. Emily Patch says

    My favorite financial tip is using the envelope system over a debit card. I seem to think a lot more about eating out when I have to use the cash from that category or another versus just swiping my debit card.
    I signed up for your emails and also follow you on Facebook.
    Thanks!

  22. kimberly says

    I would say to be debt free if you cant pay cash for it you cant have it. on obvious things house and car but double up on payments to get it paid off early with less interest owed. My dad taught me this sadly I did not listen and now I am struggling.

  23. kristen says

    My financial tip is to always make coffee at home and bring it with you. I calculated the savings of buying a good thermos and all coffee making expenses, compared to buying 2 coffees every day at either Dunkin Donuts or Starbucks – over $2000!

  25. Rosemary says

    BUDGET! Telling your money where to go is so much more effective than wondering where it all went!

  26. Danielle Keen says

    The best financial tip I have been given over the years is that whenever making a big purchase, make sure you and your spouse are on the same page. Men are often able to bring some wisdom about the purchase and women bring some discernment to the discussion. Making sure you do things together and have a peace about every financial decision you make, big or small.

  27. Raluca West says

    Being on the same page with your husband is probably the most important financial tip that I have. Before, it felt like we were on different pages. Now, we are saving money and working toward the same goals. COMMUNICATE with your significant other!

  28. Raluca West says

    The cash envelope system has really helped us stay within budget – when the money’s gone, the money is GONE!

  29. Raluca West says

    Couponing has helped me reduce my family’s budget from $250.00 per week to $100.00 per week for groceries/paper products/diapers…..

  30. Raluca West says

    Keeping a budget and following it no matter what has been extremely helpful – we are starting to pay off debt and start saving!

  32. joanne says

    my financial tip is to have your savings direct deposited into a separate account and live off of what is left that goes into your checking account.

  33. Jill says

    I am big Dave Ramsey Fan. I have taken his FPU class. My favorite financial tip from FPU is to pay in cash! It helps to reduce how much you spend.

  34. Christie says

    I just signed up for emails! Also, my favorite tip is to keep away from credit cards. Too easy to get into trouble.

  35. Amy Tollefson says

    We have set up a budget on Quicken and at the beginning of each month my husband & I sit down and do the budget for the entire month

  37. Beth says

    My best tip is snowballing debt. We’ll have the car paid off in a few months, which will mean an extra $300+ to roll into something else!

  40. Tabatha says

    One of my favorite tips is making a budget and using Mint.com to do it. It’s so easy and has helped us stay on track tremendously! thanks for the fab giveaway!

  43. Natalie Owens says

    I love Dave Ramsey… my frugal tip is pay cash! That way you can’t spend money you don’t have :)

  45. Tabatha says

    I follow you and Dave Ramsey on Facebook. That’s actually how I learned of this great giveaway!

  49. Sam says

    My favorite tip is to cut cotton pads in half. It’s an easy way to make them last and last.

  50. Angela Highsmith says

    I’ve Tweeted it, too! (And I’ve requested to follow you… I’m “mommylawyer.”)

  51. Angela says

    And I’ve posted it to Facebook (I’ve already “Frugal Coupon Mom” and Dave Ramsey on FB.) *Fingers crossed!*

  52. Sarah says

    Budget for everthing. For example, we have an account just for “Gas” and we pt about $300/month in it. We use a wal-mrt credit card and get 3 cents off every gallon at all Murphy USA’s. At the ed of each month we pull the total due onour card fromour gas account to ay it off. If we only spent $275, we keethe extra $25 in our gas account and put another $300 in the next month. So, wen we go on vacation or use more gas than expected it doesn’t affect our monthly budget becase theextrais already there.

  56. Kris says

    I bought one book and can not tell you how often I refer back to it. I am just at the beginning of my journey and would love to get more info. Trying desperately to get others in my family to read up, but hate to loan my one book out. Here’s to a lucky comment bringing home a wealth of knowledge for my family!

    I love your site, and can’t tell you how much my family and I have benefitted from the info and links you provide. Thank you for all of your hard work! It does not go unappreciated!

    Kris in SoCal.

  61. Raquel C. says

    The best financial tip I have received is if you can’t afford it at the time, save for it! Don’t just go and buy it!

    I sent out a tweet (@Raqi) and also facebooked (Raquel Cohen) and I also subscribe to your emails!!

    Thanks so much for this amazing giveaway!

  62. Kris says

    Opps… and my favorie financial tip is to give. It creates room in your life to receive. We hold on so tight fisted sometimes that we miss opportunities to let money create happiness in other ways.

  63. Leslie H. says

    My favorite financial tip is to keep track of all your spending. This way you will be able to identify areas in which you are over spending.

  64. Adreanne says

    If you are making an expensive purchase, do not buy on the spot, take time to think about it and do some research.

  65. betsy says

    Financial tip: If it’s a big purchase that’s not an absolute necessity, wait until you’ve saved up the cash to pay for it. By the time you save the cash, many times you don’t even want or need the item any more.

  70. Robin Krause says

    Live within your means..Dave has taught me to get rid of my credit cards, and Frugal Coupon Living has helped me save so much..a winning combination. Thanks!

  72. Christine says

    I think the best financial advice is to have a budget! The cash in the envelope system works great to stay on track!

  73. Christine says

    I shared this on FB too! I “like” Dave Ramsey and Frugal Coupon Living on FB already!

  74. Robin Krause says

    Ashley, you have taught me to save money with common sense and coupons,
    Dave has taught me to put money away in envelopes… and to get rid of my credit cards. You are both a very big part of my financial life..thank you!

  75. meg says

    I can’t decide which is my favorite – the $1000 emergency fund for those all the time “emergencies” that otherwise would derail the budget, or just keeping really strict track of everything. They both are awesome – and essential, in my mind!

  76. Robin Krause says

    Dave and Frugal Coupon Living may save the world, one wallet at a time! Thank you!!

  78. RD says

    Favorite budget tip…buy wisely and only on sale/clearance combined with a coupon.

    left favorite tip = check
    signed up for email = check
    Liked on Facebook = check (already “liked” Dave Ramsey)
    no twitter account as Facebook consumes enough time.

    Thank you for this opportunity!

  79. Jennie Lee says

    Use the free coupons that come in the sunday newspaper on sale items to get free, or almost free groceries for your family. Then you can afford to splurge on vacation. Also, Pay yourself the first 10% on every check… transfer it to a special savings account that you can’t touch except for emergencies (you can even have your bank to draft it for you).

    I already like Dave Ramsey & Frugal Coupon Living on Facebook! Thank You!!!

  84. Kelly Sullivan says

    My budget tip it to think about it before you buy it, that way you don’t just buy on impulse and regret it later.

  89. Kim says

    This would be a welcome gift in my house. Having been laid off for two years and living from our savings and credit cards to be able to have a guide to getting back on track the right way would be great. Our family had to relocate to a new state for jobs for both my husband and myself, which it a blessing to be able to have found jobs. This set would help us pay down that debt that was incurred while unemployed and begin to build our savings back. I do follow you via e-mail and Facebook as well and have truly learned a lot from all your of posts.

  93. susanne says

    Set small goals and keep meeting them and you will get there faster than you think! Small goals!

  105. Brenda S. says

    My favorite financial tip is, to save money and buy your vehicle with cash. (Buy everything with cash, throw out credit cards) Then you don’t have to pay interest and you are only buying it once, not 3 times ;)

  108. Brenda S. says

    I shared the giveaway on FB and I also Like Dave Ramsey and Frugal Coupon Living on FB.

  109. Christy W says

    My tip is to have some money put right into a savings from your paycheck. I don’t miss it as much when the direct deposit is just a little smaller but the savings grows just a little more.

  113. Beckie says

    My financial tip is Coupons, Coupons, Coupons! It’s amazing the amount of money you can save on almost EVERYTHING……I bought $45 dollars worth of groceries the other day for .02 !!! And I bought my son a ton of clothes for the summer for $20 and saved $53!

  116. Renee C says

    My favorite financial tip is the snowball! We have both cars paid off and are rollling that money toward the credit cards.

  117. Jody R. says

    I think the best tip is to save up for a purchase until you can cover it and not use credit.

  120. Megan says

    My favorite tip on spending is don’t spend what you don’t have and don’t buy it if you don’t need it or want it. Just because something is on sale doesn’t mean it’s a good deal for you.

  122. Heather Feeney says

    The biggest thing for my family recently has been making a written budget for the whole year, month by month and stickin to it! We do not find ourselves always wondering where all the money went!

  125. DaisyMom says

    I want ti win!

    One idea I like is to not even look at the ads, the catalogs. There are there to tempt you, so avoid temptation and immediately recyle them This will save you money because you won’t be wanting items you didn’t even know existed a few minutes ago :-)

  132. Anna B says

    I think the most important financial tip I know is to make sure to keep a check register! Working at a bank has shown me that although it is such a simple thing most people don’t do it.

  133. Anna B says

    I shared the giveaway on facebook, I am already a fan of frugal coupon living, and added Dave Ramsey

  136. Rebecca says

    Two of the best financial tips I have heard are to save money from every paycheck and don’t use credit cards.

  137. Robyn Heath says

    I discuss ever purchase (except groceries, gas, etc) with my husband before I purchase them… he makes me think about if I REALLY need it or not!

  141. Kay says

    We are in our 3rd week of FPU and love it! Baby steps are being completed!! Retirement here we come!!

  142. Sarah Pope says

    My favorite financial tip is to use cash with envelopes for expenditures with a budget attached to each separate category per envelope for needed expense listed. It keeps us on task for our spending and the money is there when we need it.

  143. Arie says

    Thank you for another awesome give away !

    I think the most useful financial advice I was ever given was by my dad….

    He told me that I should pay for “everything but one item a month, in cash. The one item a month that you put on a credit card need to be something that you can pay off with a check, in full, the next month.” This allows me to have credit (should I ever need to borrow it in the event of an unforseen emergency) while being responsible as well.

    How do I (a woman in my 20’s) keep from charging everything like most of my friends? My credit card is frozen in a block of ice. Seriously.

    My dad took a plastic milk quart and filled it with water half way and froze it. Then, he cut a slit at the top of the quart large enough to slip the credit card through. When the card fell on the block of ice (already in the container, half way full) he filled the rest of the container with water, up to the slit. He then returned the container to the freezer, creating a block of ice with my card in the middle.

    If I want/need the credit card, I need to take it out of the freezer and melt the ice to get the card out. That gives me about 30 minutes (or 10 with a blow dryer) to figure out if I REALLY need that item I want to charge.

    Sounds crazy, but totally works! I’m hoping to be able to restrain myself and not need a block of ice within the next few months. :D

  144. Amy says

    The best piece of financial advice I was ever given was to actually track my spending and monitor it on a regular basis. Once I finally broke down and started doing this, I was shocked to see how much money was going to interest fees, late fees, postage to mail bills that could be paid online, and convenience items — candy, drinks at every store I stopped at, etc. It was amazing! With a little work I was able to eliminate $300 a month in those areas and send it straight to savings! Shocking!

  146. alycia says

    I love the “snowball” debt tip, pay off the smaller debt first, then put that money towards the next, larger debt amount….until you are FREE from debt. And also to have an emergency fund (first thing), so that when a car issue pops up you have something to draw from to keep you from using a credit card.

  150. Brandy says

    Discuss purchases with someone who will keep you in check and help guide you – your husband, your aunt – someone you trust.

  154. Kristi says

    I learned as a young person to only purchase something with a credit card if I already had the money saved in an envelope. I still operate with that method.

  157. Nancy K says

    I love the idea of using cash for purchases! I used to throw everything on credit cards without thinking and get huge bills each month. I am so much more careful with cash.

  159. Chrisha says

    I have liked Dave Ramsey and your facebook pages. My financial tip would be to never use credit cards. It has gotten my husband and I into too much trouble. Thankfully we no longer have them and are on our way to financial peace.

  160. Amy says

    I like the cash envelope system, and would love to learn the rest of Dave Ramsey’s ideas! Thanks!

  166. Corie Devall says

    The envelope system is awesome!! I am an email subscriber and follow you on twitter!

  167. Brandi G says

    when I get gift cards or rebates – I stash them away for Christmas – it helps me out during the season of spend, spend, spend!

  168. Jimmi Pipkin says

    I wish I had good financial advise, but don’t. That’s why I’m always broke. That’s why I could really use Dave Ramsey’s stuff.

  175. Stephanie Fink says

    I’m a huge fan of Dave Ramsey. I’ve completed Baby Step 1 and am currently working on Baby Step 2.

  177. shannon o says

    When I dont have money to shop I dont even look at the blogs with all the deals and shopping list for my stores it is to tempting when there is a great deal.

  180. Laci W. says

    Pay CASH for EVERYTHING!!! If you can’t buy it with cash, you really don’t need it!!

  187. amy says

    Cash for my groceries helps me tremendously. My husband and I took his financial peace class about four years ago and really liked the teachings. Unfortunately, Murphy landed in our lives and we’ve been on a financial ride now for a couple of years now. I have the books for my kids and love what they teach about dollar dog and help my kids understand the value of choosing to spend your money vs. saving.

  188. CoreyAnn says

    My best financial tip is to DOWNSIZE and GO WITHOUT! We were living the “American Dream” but didn’t like the “keepin’ up with the Jones'” treadmill. We refocused on what was important in life and spent a year giving away 2/3rds of our material items and downsizing from a 3500sqft home to a cozy 900sqft one. It creates more family interaction, is easier to clean, and helps us value what we have since we don’t have space for things we don’t love.

    Unnecessary possessions are unnecessary burdens!!!!!!!

  192. shannon says

    I like you on FB and I have the savings tash but need more pointer! I was laid off from my job and I would love to find out how to make it off one income so I can be home with my children.

  194. Monica says

    My financial tip is to have ZERO credit cards! We’ve been credit card free for twelve years-you can live without them!

  195. Jennifer says

    Quoting Dave Ramsey: Tell you money where to go instead of wondering where it went!
    –> Budget!!!

  198. JB says

    My ex-husband had brought a lot of debt into our marriage. Revolving debt. It was a gift of Dave Ramsey’s audiobook that really helped us get out of the financial mess in a quick and orderly fashion. The most important tip I learned is to snowball your payments. Once you have paid off one bill, add the amount you were paying into the next. Things will get paid off VERY quickly and suddenly you will begin to see the surface.

  199. Debbie P says

    My tip is to never scan a credit card unless you know for a fact that you have the money to pay it off right away!

  201. christina says

    My favorite tip would be to make a budget and stick to it. That and also not paying interest for anything other than a house mortgage and NO late fees for anything! If you can’t return rented videos, books, tools, or pay your bills on time, then all of those late fees you incure are really a waste of money that could be used towards other much needed items.

  204. Amie Rang says

    My best financial tip is to NOT spend money you DON’T have! It’s not as hard as it sounds :) Thank you for this opportunity!

  207. Robin says

    My fav advice is wait a day to think about purchasing before actually making the purchase. There have been sooo many times that has saved us. I’m going to share this on facebook, I am already a fan of frugal coupon living, and added Dave Ramsey. I also get frugal coupon living emails.

  209. Amy Hull says

    The best financial advice we got from Dave was to stop using our credit cards and focus on paying off our debt so we could really enjoy life.

  211. Amy Hull says

    I shared this FAB giveaway on FB and like both Dave Ramsey’s and Frugal Coupon LIving’s FB pages.

  212. Sunnie says

    Staying in your budget, dont ‘splurge’ spend. Sticking to needs and not wants so much.

  217. Laura says

    My favorite financial tip is to have a family budget. It keep boundaries on spending and allows you to be in control of where your money goes.

  220. Jennifer R. says

    Tip: Keeping our emergency money in only $100 dollar bills. That way it needs to be a true emergency for us to break those $100 bills. It’s not so much about keeping the numbers in the budget tabulated its the behavior that makes you spend money you don’t need to. So for us, this trick works. Thanks for the great giveaway!!!!

  224. Sandra U. says

    My tip is to save and use cash instead of credit cards and save from paying high finance charges.

  227. Pam D says

    Have not had the opportunity to try Dave Ramsey course. Would love to be able to pay off some debt.

  229. Jenny says

    My best financial tip is to choose an organization you’re passionate about and donate to that on a regular basis. We give a portion of our paycheck to our church every month, and while it doesn’t contribute to our own savings it reminds us to hold on to “things” lightly…a lesson I too easily forget when we stop giving.

  232. Dawn Griggs says

    We use cash & we coupon. We are also big on tithing…give to God first & He will always provide!

  235. Lindsay says

    My favorite tip right now is…It’s not a deal if it’s something you don’t need.

  237. Kristen says

    Financial Tip: even if it’s just $5 a month (ours is $20-$40 depending on cash flow), budget money for you and your spouse to each have your own stash to “treat” yourselves to a soda, some fries, a shirt, whatever way you choose to. It’s freedom with restraint! :)

  240. Elizabeth Beer says

    Coupons have been an amazing help to our budget! I never knew how they could add up in savings, especially when matched with other sales.

  242. Cassia says

    Best tip – spend less than you make – not just balance what you’ll spend that month with what you’ll make, but be sure to leave room for savings and charity.

  245. Stacy says

    My favorite financial tip is that small things can make big differences – like using coupons

  252. Beth says

    I put the money I save with coupons into an envelope to use later towards a bill or towards an item we’ve wanted.

  254. Deb Boerema says

    It’s nothing new..I save lot by clipping coupons and combining them with store sales.

  255. Nancy K says

    I love Dave’s tip that you should have 1 saver in the household and 1 spender. If you have 2 spenders – you are broke. If you have 2 savers, you don’t have any fun. There needs to be a balance. I tend to blend both by planning lots of bargain / cheap / coupon filled ‘staycations’.

  256. Lisa says

    My tip would be to stop using credit cards and get them paid off. Then only spend what you have. We try to use all cash now and not even use our debit card much. It helps so much! Cash is hard to spend, so you spend less!!
    I subscribed on email too!!

  262. Hannah Greise says

    My favorite tip is: give every dollar a name!

    I am a newly wed and my husband and I love Dave Ramsey. We are trying to get off to the right start in our new life! :) I hope I win! :)

  268. Shannon Driscoll Stout says

    My favorite financial tip: prebuy grocery gift cards and make that your food budget for the month. We actually buy ours through our church (they get 5%), so it feels good to ‘give’ to the church. This helps keep us financially responsible and not overspend or buy unneeded junk food simply because we are hungry!

  273. katherine says

    My best tip is to set a realistic family budget. My husband and I have an annual date night in January, where we map out the big stuff for the year ahread…weddings, vacations, house improvement projects, etc. We usually goe therough a bottle (or two!) of wine but end up much better prepared for the curveball expenses.

    We need to do a better job with nour monthly budget.

  274. Tracey Bridges says

    Pay your credit card balance in full each month – ours is bank drafted for the full amount so I can’t even consider paying a lower amount.

  275. Jean Felder says

    I think the best budget tip is NO credit cards/interest. My husband and I followed the Financial Freedom book 10 years ago. I’m happy to say that we have no credit cards and no car payments (since they are now 10 years old :o) I think the children’s series would be such a blessing to teach our 3 children these important fundamentals while making it fun and on their level.

  278. Kristie G. says

    My best advice to give you is to get rid of your credit cards and use cash only. Also, make sure you have an emergency fund set up for those unexpected things that come up (car repairs, dryer breaks, etc.).

  280. DEBRA SHIPP says

    Don’t spend any money! LOL sure Round of to the highest dollar in ckbook. That way the cents add up and easy to balance

  283. kristi paraday says

    I love Dave Ramsey and think that everything talked about would be a plus for our family. Need to become more financially aware and to teach our children as well. Also to help save for college and our future. “LIKE'” Dave Ramsey on FB and shared this giveaway on FB.

  284. Holly says

    For me the best advice, but hardest to live by is to not spend money on credit cards if you can’t pay them off at the end of the month. All the coupons in the world won’t make up for the interest that is tacked on after you finally pay it off.

  289. Caroline says

    When I was young and my mom was teaching me to budget, she told me that it was not smart to budget all of your money away and not leave a little wiggle room for things you love (books, movies, etc.) If you do not leave room for purchasing these things, you wind up spending that money anyway and blowing your budget. So I always leave room for books in my budget!

  290. cathy says

    Couponing can do more than anyone could imagine! If you do nothing else, at least cut the grocery coupons out of the sunday paper.

  292. Dawn says

    Automatic withdrawl for savings, college and retirement accounts…we have money automatically withdrawn every month so we are saving and don’t have to think about it! The problem is…it’s not really enough…We need to learn how to be able to set more aside and how to pay off our mortgage!

  297. Jerry says

    If you must use a credit card always pay it off at the end of the month so you don’t pay the interest!

  303. Spring says

    My biggest tip at the moment, is to work together. The mountain of bills is sometimes too much for only 1 to handle. We sat down and on a calendar wrote what bills to pay according to pay days. It’s helping, but I think Dave could help WAAAAYY more.

  310. jsimons13 says

    my fav financial tip is one of dave ramseys… it has helped in so many ways… live like no one else so later you can live like no one else. :)

  312. Elena says

    I almost never buy anything full price. Gives me anxiety to do so! haha I use coupons, rebates and sales and if I can combine any of the two, so much the better!

  314. Elena says

    I already ‘like’ you on facebook. I now ‘like’ Dave Ramsey and shared your page on my wall!

  315. ashley says

    My favorite tip is to pay yourself first! Send money to retirement and savings accounts first, and then live on the rest of your income.

  318. Doris says

    My favorite financial tip is;
    Use cash to buy your budgeted items, as you are “painfully” separated from it and most likely to spend less that way.

  321. Doris says

    I have tweeted the info, and am a follower of frugal coupon living and also Dave Ramsey
    Thank you :)

  325. millar8 says

    My favorite financial tip is to “stock up” when the foods you use are on sale so that I rarely pay full-price for my food.

  327. Amber T. says

    My husband and I are currently taking Dave’s Financial Peace University Class… BEST money tip EVER :)

  329. Jenn C says

    My favorite financial tip is to work together w/ your significant other to get your finances straight. I did all the finances by myself for years and it took a toll on me and I got so overwhelmed. Now we have a “financial” talk once a week where we plan our weekly menu and talk about our budget. Not only have we saved money, but our marriage and bond is stronger for it.

  332. Lisa S says

    We love Dave Ramsey! One of my favorite tips is talk with your spouse about money-make sure you’re in it together!

  337. rec_girl says

    My Favorite Dave Tip: My husband and I have started using cash for purchases such as groceries and gas. In our first month we reduced our spending by over $300! Pretty much all we did different was start using cash for purchases and ditch the debit card. Amazing how something so simple could have such a huge impact!

  342. Megan Dykes says

    Over the past few years I’ve had a certain amount of money taken out of every paycheck and direct deposited into my savings account. I’ve found that it has really added up!!

  343. Megan Dykes says

    I’m already an email subscriber to your emails!! I love all the helpful info you give to your readers!!

  345. Megan Dykes says

    I am a follower of yours on facebook and I posted about this giveaway!! I am also now a follower of Dave Ramsey on facebook!

  349. Kimberly Absher says

    Fave Financial Tip: Once you pay off the credit card with the highest APR, use that money to pay off the next to do the “snowball effect” on your debt.

    Desperately need this giveaway. In real estate until the big crash 2 years ago and up to eyeballs in debt and desiring to adopt. The math just is not working out so starting a family has to wait until the debt is eradicated (we’re older, too).

    Thanks for the opportunity!

    XO,
    Kimberly

  352. Sara says

    Never carry a balance on your credit card! I know Dave says to not have a credit card, but someone once hacked into an online account and stole my debit card number……tying up my actual money! I would rather someone steal money I don’t actually have and am counting on to pay rent. =)

  354. Brianne L. says

    I “Like” Dave Ramsey on facebook. I’ve heard nothing but great things about Dave Ramsey and what he teaches.

  360. Erica Best says

    i love this tip i found online
    “Put aside a regular amount each month to invest for the long term

  364. Stephanie says

    My favorite tip is just to live within your means, do not spend what you do not have.

  366. Priscilla M says

    Keep some easy and inexpensive meals on hand (such as spaghetti) to combat the inevitable urge to eat out when time is a little short or you are tired after work.

  370. Tara H says

    My favorite financial tip is no matter how tight money gets, always tithe and give God atleast 10%. He will bless you in ways you never imagined. :)

  373. Hannah says

    My favorite tip is to stock up when you find great deals. Especially on non-perishable foods (ie canned & dry goods).

  375. Pat says

    Favorite tip is have an automatic deduction from your pay to your savings account. In other words, pay yourself first.

  385. FACS 479 says

    I have so many tips…favorite would have to be my tagline in my classroom “Always pay yourself first”. Always treat your savings like it is a bill and pay it when you pay the bills, that way you never forget to save.

  387. Zynique says

    My favorite financial tip is to save 1/3 of what you make give 1/3 of what you make and pay bills with the last 1/3. It allows me to make sure I am giving and saving while taking care of the household as well.

  393. Cindy says

    My favorite tip is to write out a budget. Seeing it in writing really does make a difference.

    I also like you and Dave on facebook.

  396. Thabal says

    I’m using ‘Cash system’ and loving it. I would recommend this tip to others. Thanks for the giveaway.