Top Ten Tuesday & My First Blog Giveaway

Top Ten {Tuesday}

Ten months ago, Dexter and I started on our Total Money Makeover journey. Since then, we’ve built a $1,000 emergency fund and paid off almost 20% of our debt. Last month, Dexter and I gave a presentation at our house church about the basics of Dave Ramsey’s baby steps and biblical money principles.  Dave doesn’t pay us to be excited about his financial plan or to tell people about his methods, but beginning to follow Dave’s baby steps has changed our financial future so much that I can’t help but be excited about the hope it can bring people.

Don’t buy it yet? Here are our top ten reasons to do a Total Money Makeover with Dave.

  1. Freedom from financial bondage. Proverb 22:7 says, “The rich rules over the poor, but the borrower is slave to the lender.” There are things we can’t do or don’t feel like we can do because of our debt. Once it’s gone, no one will be making claims on our income.
  2. Building character through discipline. Many people believe God doesn’t care about their money. In one sense, they’re right. God doesn’t love rich people any better than he loves poor people. However, our money habits often shed light on the condition of our heart, and God cares about our hearts. Persevering through a journey toward debt freedom can build character as well as financial security. James 1:4 says, “Let perseverance finish its work so that you may be mature and complete, not lacking anything.”
  3. When we honor the Lord with our finances, we reap his blessing. I’m certainly not saying that God will reward you financially or immediately for the responsible choices or generous giving you do. However, Proverbs 3:9-10 says, “Honor the Lord with your wealth and with the firstfruits of all your produce; then your barns will be filled with plenty and your vats will be bursting with wine.” God sees the bigger picture and may choose to bless you eternally rather than materially on Earth.
  4. Ability to give generously. It is thought that Theophilus, who was mentioned at the beginning of the book of Luke, allowed Luke to dedicate time to writing important accounts of the life of Christ and the early church by providing financial support. Being able to support children through Compassion or missionaries through Gospel for Asiais a great way to participate in the spreading of the gospel worldwide. Right now, Dexter and I do tithe at our local church and give to certain charitable organizations, but once we are free from debt, we’ll be able to give more and accomplish more with our money.
  5. Know how to provide for loved ones through debt-freedom, insurance, savings. We’ve learned about the benefits of debt freedom (and how to get there), important kinds of insurance to purchase, and what good savings goals are. Hopefully, we’ll be able to keep our future children’s childhoods free from stressful financial chaos, teach them biblical and practical truths about finances, and help our family and friends on their journey to financial security.
  6. Everything is simplified. After we canceled our credit cards, I was amazed at how streamlined balancing the checkbook and tracking our budget became. Instead of tracking purchases from 3 or 4 cards, forgetting to pay bills for cards we didn’t use often, and accidentally recording transactions for the wrong card, I now only have to look at our checking account. Since we use cash for groceries, household items, and discretionary spending, the number of transactions I have to track has significantly reduced. This has been a huge timesaver.
  7. Preparation for emergencies. Things that used to be stressful emergencies can be planned for, or at least taken care of with the emergency fund or sufficient insurance.
  8. Actions and patterns of thinking to set us apart from the world. Romans 12:2 says, “Do not be conformed to the patterns of this world, but be transformed by the renewing of your mind. Then you will be able to test and approve what God’s will is–his good, pleasing, and perfect will.” Dave Ramsey often says, “If normal is broke, I don’t want to be normal.” Having the priority of financial responsibility and generosity will set us apart in a consuming culture.
  9. Fulfilling dreams. Some of our dreams include traveling, working from home, and adopting children. All of these will require saving money and building financial security. What dreams could you fulfill if you weren’t worried about finances?
  10. Learning how to change your financial future just got easier! Because Dave Ramsey’s plan has blessed us so much, we wanted to pass on some of our newfound knowledge to you. Below, see information on the books I’m giving away and how to enter the giveaway.

The first book I’ll be giving away is Total Money Makeover: A Proven Plan for Financial Fitness. I’ve read this book a number of times and have consulted it to refresh my memory on some of Dave’s core concepts. It contains lots of inspiring stories about people who worked hard and succeeded at paying off their debt.

I’ll also be giving away a copy of Financial Peace Revisited, the companion book to Dave’s Financial Peace University class. In it, you’ll find information about Dave’s own journey from wealth to financial trouble and back again. It also contains snippets written by his wife Sharon.

Finally, I’ll be giving a way a copy of More than Enough: The 10 Keys to Changing Your Financial Destiny. In it, Dave addresses unity in marriage, building financial vision, and practical information about how to implement a financial plan.

If you’ve never learned about Dave’s plan, these books are a great introduction. If you are well-versed in the seven baby steps, these books make a great gift to someone you know who is looking for financial guidance.

Enter the giveaway up to four times by following the steps below.

  1. Leave a comment below telling me what you do if you were financially free. If I don’t know you in real life, include your email address or your name on Twitter so I know how to reach you if you win.
  2. Post about this giveaway (with a link) on Twitter. Leave a comment here telling me that you did.
  3. Post about this giveaway (with a link) on Facebook. Leave a comment here telling me that you did.
  4. Write about this giveaway (with a link) on your blog. Leave another comment telling me that you did.

The giveaway will end on Sunday, December 12, at 11:59 pm CST. Winners will be announced on Monday, December 13.

This post is linked to Top Ten Tuesday at Oh Amanda and Giveaways Galore at Money Saving Mom.


33 thoughts on “Top Ten Tuesday & My First Blog Giveaway

    • Christie, we are in the same boat! Every time I want to spend instead of paying down our debt, I remind myself it’s for babies.

  1. Kelsey,
    Your openness about doing the Dave Ramsey ‘deal’ leaves me inspired (b/c it just so happens that I feel called to pull his book off the shelf again. I really can’t imagine being financially free (aka also not impoverished,) as I’ve had old no-longer-accumulating debt for so long. I may not know what to do w myself, but I would like to save up for a family. I’m nervous about starting a life w Chris in NC b/c his financial footprint is not good, and I’m not sure how to navigate being financial partners w/o either enabling or being affected by his debt.

    • Glad I can inspire you to get working at it again! It’s a big one-time decision, but it’s so exhausing because of the constant little decisions you have to make. I’m not an expert or perfect at this by ANY stretch of the imagination, but if you ever want to talk about it more in depth in person, I’d love to get together!

  2. What would I do if I didn’t have debt? I have no idea! Maybe buy some clothes that cost more than a couple dollars? 🙂

    • Amen! I’m constanly making a “when we’re out of debt” dream list…and shopping is on the agenda. I’ll have to get a little more realistic about the list when the time comes, though!

  3. I tweeted and posted on fb about this giveaway, but haven’t blogged about it, cuz I haven’t started blogging yet. Hope that suffices. Thanx for the inspiration, Kelsey!

    • I’m making this response to count as another “entry” for you, Megan, because I’m going to use a random number generator and I want you to get all your entries!

  4. If I were financially free, I would stay at home with my son (and potentially have more children). My goal has always been to be a home-maker, and finances just have not made that possible. It would be wonderful to change that. Thanks for the opportunity to learn how! 😉

  5. I have a good friend who lives and dies by Dave Ramsey and my husband and I have vowed to try to make his ways our ways as our New Years Resolution. I would love to get this set of books to give to him as a surprise Christmas present!

    If I was financially free I would travel. I have always dreamed of touring Europe, volunteering in South America/ Africa etc. but financially vacations never seem to work out. The money is always needed elsewhere…life huh?

    My name is Kate. Email:

  6. I also blogged about your awesome give away! Hope I win 🙂

    Thanks for doing this awesome give away, what a great way to spread cheer AND financial hope at the Holidays!

  7. What a great giveaway and a wonderful testimony! It’s so important that people find a way to free themselves of debt…we’re no exception but we’re trying. It’s definitely a challenge. Congratulations on your great accomplishments so far!

    I’d love to be entered as well 🙂

  8. If we were financially free, my husband would possibly be able to accept a lower paying job at home, rather than working out-of-state jobs.

  9. Thanks so much for this give-away. I’m sure it would change our lives. If we were debt free, I would save more to be able to help my kids when they need it.

  10. I really look up to you for this!! Thanks for sharing!! Let us know when your in town for Christmas ok??!! Happy Holiday season!

  11. Pingback: Financial Peace Giveaway! « A Wife Loved Like The Church

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