The Total Money Makeover Journal

Overview

When Dave Ramsey was experiencing his own "total money makeover," he found that journaling was very helpful and effective in allowing him to see the big picture. Dave says, "Take this journal and record everything happening that seems like a big deal. Record the relationship issues, the debt, the emotions, the setbacks, the victories, and anything else that seems important at the time." "The immediate benefits of writing everything down are twofold. First, writing helps you process the problems

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