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Financial Peace University

Financial Peace University

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236K views290 pages

Financial Peace University

Financial Peace University

Uploaded by

olimazi
Copyright
© © All Rights Reserved
We take content rights seriously. If you suspect this is your content, claim it here.
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Dave Ramsey’s Dave Ramsey's a a University Mission Statement To empower and give HOPE to everyone from the financially distressed to the financially secure. Printed by Vaughan Printing, Inc. Nashville, Tennessee COPYRIGHT © 1994 B | THE LAMPO GROUP, INC. 1749 Mallory Lane, Suite 100 Brentwood, TN 37027 ALL RIGHTS RESERVED First Printing, Spring 1994 Revised Printing... Summer 1996 Revised Printin Winter 2002 Revised Printin, Winter 2004 This publication is designed to provide accurate and authoritative information with regard to the subject matter covered. It is sold with the understanding that the publisher is not engaged in rendering legal, accounting, or other professional advice. If legal advice or other expert professional assistance is required, the services of a competent professional person should be sought. ...From a Declaration of Principles Jointly adopted by a Committee of the American Bar Association and a Committee of Publishers and Associations Published by THE LAMPO GROUP, INC. For more information, please contact DAVE RAMSEY’s office at 1-888-22PEACE Listen to The Dave Ramsey Show 24 hours/day, 7 days/week anywhere in the world!* www. daveramsey.com ABOUT THE FOUNDER OF FPU Dave Ramsey is a personal money management expert, an extremely popular national radio personality and best-selling author of The Total Money Makeover. In his latest book, a follow-up of his enormously successful New York Times best-sellers Financial Peace and More Than Enough, Ramsey exemplifies his life’s work of teaching others how to be financially responsible, so they can acquire enough wealth to take care of loved ones, live prosperously into old age, and give generously to others. Ramsey knows first-hand what financial peace means in his own life — living a true riches to rags to riches story. By age twenty-six he had established a four-million-dollar real estate portfolio, only to lose it by age thirty. He has since rebuilt his financial life and now devotes himself full-time to helping ordinary people understand the forces behind their financial distress and how to set things right — financially, emotionally, and spiritually. Ramsey offers life-changing financial advice as a host of a nationally syndicated radio program, “The Dave Ramsey Show,” which is heard by more than 2 million listeners each week, on more than 200 radio stations throughout the United States. Ramsey is the creator of Financial Peace University (FPU), a thirteen-week program that helps people dump their debt, get control of their money, and learn new behaviors around money that are founded on commitment and accountability. More than 100,000 families have attended FPU classes at their workplace, church, military base, local non-profit organization, Spanish organization, or community group and many national corporations have used and benefited from the program as well. The average family pays off $5,300 in debt and saves $2,700 in the first 91 days after beginning FPU and is completely out of debt, except for the mortgage, in 18 to 24 months. Ramsey created a group of products in an effort to teach children about money before they have a chance to make mistakes, Financial Peace for the Next Generation is an all inclusive school curriculum that is currently in more than 300 schools across the country. Financial Peace Jr is an instructional kit designed to help parents teach their young children about working, saving and giving their money. Through Ramsey’s entertaining four book series The Super Red Racer, Careless at the Carnival, The Big Birthday Surprise, and My Fantastic Fieldtrip children learn about working, saving, giving and budgeting. Ramsey eared his B.S. degree in Finance and Real Estate from the University of Tennessee. A frequent speaker around the country at large-scale live events, Ramsey is a passionate and inspiring presenter who is at case on both sides of the mike, More than 300,000 people have attended Ramsey’s LIVE events. He resides with his wife Sharon and their three children, Denise, Rachel, and Daniel, in Nashyille, Tennessee. NEED More HELP? Certified Counselors are professionals that Dave’s team has trained to help serve your financial needs. From a tune-up for the financially healthy to challenge sessions for families facing creditors or even bankruptcy, these sessions can provide HOPE and tools for financial success. Visit our website at www.daveramsey.com and click on the COUNSELING button or call 1-888-227-3223 for more information Want to know more about the materials and services that Dave Ramsey and Financial Peace University offer? Check out our product list and order form in the front pocket of your workbook. Also, you can become a coordinator or help bring Financial Peace University to your community, church or business. Simply complete the FPU Coordinator Form or call our office at 1-888-227-3223. JRF Ss FFCETETe FE ee? 7 7 2 Dave Ramsey's Hpancil a YUM University Financial Peace University and Financial Counseling are available to Individuals Churches / Businesses / Military Low Income Groups Colleges and Universities Bankruptcy Candidates The Lampo Group, Inc. 1749 Mallory Lane, Suite 100 Brentwood, Tennessee 37027 (615) 371-8881 Toll Free: 1-888-22PEACE Fax: (615) 371-5007 ‘www.daveramsey.com 5 Table of Contents | Getting Started The American Dream Snapshots of the 90’s Putting First Things First It’s Time to Begin... . . 14-15 Baby steps... =... 16 Buddy System ....... a pol 7: Basic Quickie Budget . . . . 119 Amazing Erce Gamowty., ty... .- es 20 Budgeting Forms & Accountability ............. 21-50 3 Months of Monthly Budget Forms . 24-33 Reading Assignments... rc... 34 - 35 Financial Snapshots (Sample) ................ 36 Accountability Check-up Sessions ......... 37-49 Weekly Sessions T. SS8tpen Savers. oes. 2. Cash Flow Planning. 3. Relating With Money. z 4. Buying Only Big, Big Bargains ...... 121 - 130 >). SDUMIPInP GD eee cor ss. 131 - 146 6. Understanding Investments . 7. Understanding Insurance . . . 8. Retirement & College Planning . . 173 - 190 9. Buyer Beware 10. Real Estate & Mortgages . -, 199-216 TI"Career co rxtauose= 217 - 236 12. Collection Practices & Credit Bureaus. .237 - 260 13. The Great Misunderstanding . 261 - 269 Educational Materials Available. ..................0.000005 270 Glossary -.

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