If you have been a reader or attended any of my coupon classes, you know that reading Dave Ramsey’s Total Money Makeover changed the Snyder’s Financial Life.
Dave’s plan is no-nonsense, easy to understand and hard work. But it is so rewarding to know that you are meeting (and sometimes exceeding) your financial goals.
I could write on and on and on about my love for Dave’s plans, but instead, let’s just get to the giveaway.
One lucky KCM reader will win a Dave Ramsey Total Money Makeover Bundle.
Dave Ramsey’s Total Money Makeover Bundle includes:
- The Total Money Makeover book,
- The Complete Guide to Money book,
- 13 lessons on audio CDs,
- Starter envelope system,
- and Budgeting Software.
Here’s How To Enter The Giveaway
(Remember, each comment is considered a entry – so leave a separate comment each time.)
Leave me a comment and tell me your budget stumbling block. (Ex. Eating out.)
Additional entry: Become a email subscriber to Kansas City Mamas. (I promise, I won’t spam you.) And then leave a comment and let me know.
Additional entry: Become in Like with Kansas City Mamas on Facebook. (We have fun, I promise.) And then leave a comment and let me know.
Contest will be open till end of day on January 23, 2013. Winner will be notified by email and has 48-hours to respond before another winner is chosen. Good Luck.
Disclosure: Dave Ramsey provided the giveaway prize, but I was not compensated in any other way. The written remarks are entirely my own. Want more information – check out my full disclosure statement.
Our stumbling block is not making a good budget.
We need some help in doing that.
I like you on FB
I receive your emails.
We need to get everyone on board in our house.
That’s a big issue for us.
I eat out way too much. It’s affecting my health and my pocketbook! I like you on facebook.
Our budget stumbling block is the entertainment category…we never budget enough.
I follow you on facebook.
I’m an email subscriber
Our biggest bugeting stumbling block: That would be complete lack of organization.
Our biggest budget block is our love for quality craft beer which can get quite pricey but is just so delicious!
I subscribe to your e-mails!
I “like” KC Mamas on FB
Our budget stumbling block is that my stepkids’ dad is out of the picture suddenly. So we have gained the equivalent of one human and one canine full time mouth since Thanksgiving!
I like you on FB.
And I am an email subscriber.
Please, we really need this one!
Eating out is a budget buster for us!
I follow you on facebook
I subscribe to your emails
stumbling block is definitely eating out. we need to straighten up!
I am a Facebook follower!
I am an email subscriber too
Follow you on FB & get your emails!! We currently (not by choice, had a sale fall through) own 2 homes…it’s been a big adjustment fitting that extra mortgage payment into our budget!!
Signed up and ACTIVE for emails!
I am a long-time “like”-er of your FB page! Love it!
I NEED Dave Ramsey! The family and I have decided THIS is the YEAR to payoff our $20k+ in revolving credit card debt. THIS YEAR! No more little quickie purchases, no more buying what we WANT instead of just what we NEED. Its just time to get this done! Pick Me! Pick Me!
I FOLLOW YOU ON FACEBOOK! (which led me to see this giveaway!)
Our budget issue is that there’s just not a lot to work with.
I follow you on FB.
Ours is our eating out and clothes!
Hardest part for us is splurging on our son!
I’m a FB fan
I get your daily emails
Our biggest stumbling block is NOT making a budget! It’s our goal for this year:)
I already follow of FB
Grocery and clothes shopping
I follow you on facebook
Signed up for emails updates. Thanks, Angela
Our downfall is eating out..casino’s…and diet coke. We could really use the DR kit. 🙂
We would like to help our kids save for college and learn to save money.
Entertainment and clothing
I get ur emails 😉
I’ve like u 😉
Email subscriber
Like and follow on Facebook
My biggest problem is finding a budget and sticking with it! Bills always pop up as soon as I think I’m doing good 🙁
I have a terrible time with the grocery budget. I always seem to misjudge this one.
I have started taking a notebook with me and writing the amount next to each item on my list and totaling it up before I get to the checkout, this way I know if I am within my budget or if I can grab a little something extra WITHOUT going over:) and it helps me stick to what is on the list!
I am an email subscriber too
I like you on Facebook. /)
We have a really hard time sticking to our budget on the weekends especially when it comes to eating out.
I am an email subscriber.
I like you on Facebook.
I would have to say our biggest struggle in budgeting is eating out 🙁
I’m already a follower on FB 🙂
I have already subscribed to your emails ( which have come in handy) :)) thank you
We find it hard to budget for all the kids activities. There always seems to be one more thing.
Our biggest struggle is eating out too much.
biggest stumbling block is using credit card when we have no cash
i’m a subscriber
like you on FB
Target!
Email subscriber!
Facebook follower!
I just liked you on FB!
I am an email subscriber!
I love Dave Ramsey! We are working the program!
We have many financial stumbling blocks – not saving, eating out and spending beyond our means. 🙁
Signed up for emails from KC Mama!
My biggest stumbling is finding bargains on things I don’t really need 🙂
I ‘LIKE’ Kansas City Mamas on Facebook!
My biggest stumbling is Walmart! Or, in simple terms – having a list and not sticking to it (and I’m blaming Walmart)! 😉
I like KCM on facebook!
This is my first salaried job out of college and my biggest stumbling block is just budgeting in general because now I see I have money and want to spend it, but I need to account for my loan bills.
Perfect timing. We are just getting excited about Dave’s program. I joined your site via email. Thanks!!
Already a Facebook fan!
I am both an EM subscriber and Like you on FB, would love Dave’s books
Oh goodness – OUR weakest link is eating out. MY weakest link is shopping because there’s a sale. Dave’s program is an excellent plan to help with both of those!!
for us it is eating out
I am an email subscriber
I follow on fb under gaitha pennington
My stumbling block is not sticking to a budget:( trying hard to turn that around!!
I registered to get your emails!
eating out!!!
like you on fb
already get emails
Eating out is definitely our hang up!
I am an email subscriber.
I like KC Mamas on fb!
I’m an email subscriber–eating out and impulse buying is where I lack control!
Saving is very important.
I’m an email subscriber.
My budget stumbling block is not accounting for all the little extras that come up unexpectedly.
I “like” your Facebook page.
E-mail subscriber!
My stumbling block is not having a budget!
I’m an email subscriber.
I like you on Facebook.
Sticking to our budget
I’m an email subscriber!
Getting suckered into deals is my problem!
Our stumbling block is my wife’s spending habits!
I spend way too much money at big box stores.
I’m subscribing to your emails!
I’m already a fb fan and would like to enter the Dave Ramsey give- away!
Love your newsletter! So glad I’m a subscriber.
I’d love to win this because I irrationally love finance!! 😉
My budget stumbling block is impulse buying! Putting it in my cart without knowing if it is a good price or not…
I am an email subscriber.
We eat out waaaaay too much!
I get your emails, I liked you on facebook, and don’t think that I have an issue with one certain budget stumbling block. I have alot going out and not enough coming in. I have $50,000 just in student loans.
My stumbling block is not having a budget! I need one ASAP.
I am an email subscriber.
I like KCM on Fb.
I’m a sucker for deals! Even if I don’t need them.
Eating out
email subscriber!
Our stumbling block is not having a budget and time to make one. We need to take the time to get one done.
liked you on facebook
My stumbling block is abiding by my budget!
I subscribed to Kansas City Mamas emails.
I liked Kansas City Mamas on FB.
Dipping into my rainy day fund when unexpected things come up, but not being able to replace the funds.
Email subscriber.
Online shopping is definitely my budget stumbling block.
Liked you on FB.
Follow you on FB
Subscribe to you 🙂
Budget–What is that? I guess that is where I need to start 🙂
we don’t budget at all….and we need to DESPERATELY!
Subscribe to you!
Stumbling block – eating out.
Our stumbling block is eating out, definitely.
OUR stumbling block is making new credit bills. I would love to see them paid off.
I receive your e-mails. Thanks.
I subscribe to your emails.
Not having a budget for how much I spend out of excess funds, and how much I save.
We eat out too much and buy more clothes than I need
email subscriber
I like you on facebook
get your emails
facebook buddies
Our stumbling block is eating out.
Stumbling block pending to much on kids
My husband not finding work is a HUGE part of our stumbling block.
our stumbling block is definitely unplanned eating out
I subscribe to your emails
I follow you on facebook.
I subscribe!
I subscribed to your email
Right now our budget stumbling block as Dave would say is an income problem. My husbands out of work & in school so we’re I one income, very tight budget.
Our huge stumbling block is also that my fiancé has been out of work for a couple of years due to a hurt back, and unemployment ran out a couple of months ago.
I subscribe to emails
I like your FB page
Stumbling block is “good deal/ sale” buying.
I subscribed to the email.
Pur stumbling block is eating out and kids sports.
I have been a FB follower for several months now. I LOVE your FB posts! Great coupons and deals! I have purchased items from your information and am so thankful to have found you! I have passed on your FB to many friends. I didn’t know you sent emails too! Can’t wait! Please consider me for Dave Ramseys gift pack. I have never been to a class and need a “make-over” !!!
Eating out is Definitely my downfall!!
Thank you for the opportunity! We’ve wanted to try his program for a while. I Know it would help us make some changes that are more Christ-like.
I subscribe! Thank you so much for the newsletter!!
Love the FB posts! So helpful!!
Hit FB every few hours so I don’t miss something special
Our stumbling block is not enough income at the moment.
I subscribed to your email
Our biggest stumbling block is irregular paychecks being our only income
I like your FB page 🙂
And I look forward to not missing posts with email updates!
Definitely eating out and groceries.
I like on Facebook!
Our stumbling block is paying to much for things like out television service! We just have too many TV’s.
I subscribe!
I am a fan on FB as well!
Our stumbling block was me and my minor purchases. I am on a spending freeze (except for food) for this month!
food!
Overdraft Fees!
Yep. Eating out is a problem for us. It’s our go-to for family fun. Also, since I’ve gone back to school–cooking has been an easy thing to sacrifice to save time. Hence–more eating out. Grrrrr.
Email Subscriber!
Dining out is our biggest block or hurdle. It’s so convenient but bad for us in more than one way!
I’m an email subscriber. Thanks!
I like ya on facebook (Katie king Gough)
Unfortunately, my husband is my stumbling block! 😉 He is a spender, I am a saver!
I subscribed!
I Liked you on Facebook!
Eating out and shopping for kids
Our biggest stumbling block financially is when we have unexpected expenses. We try really hard not to break into our meager savings.
going to any “super” anything, because you always think you “need” something
I like you on facbook
I subscribe to your emails too 🙂
I liked you on facebook. Thanks for all your ideas.
I spend more money when I am in a hurry and with my two daughters.
Glad to see your shopping trips are back.
I’ve heard great things about Dave Ramsey products! We NEED a financial makeover! I’d love to have this product!
Just getting started and setting a budget for expenses is my stumbling block. Every time I think I have something in place we always spend more than I thought!
Can’t stick to a budget and overspending.
I signed up for your emails
I “Liked” you on FB
My biggest budget stumbling block is impulse buys. I need willpower after I leave the house.
I subscribed to Kansas City Mamas!
I like you on Facebook!
My biggest problem is wanting something NOW. I need to learn to budget and save.
I already “like” you on FB.
I’m already an email subscriber.
Eating out and shopping
I subscribe to your emails
I subscribe to your emails and I love them!
I liked you on facebook
I have too much month and not enough money.
Our stumbling block is always the little extras like buying seasons of shows on Amazon etc..
I am an email subscriber
I like you on FB
My budget problem is I have a hard time estimating things like clothes for kids, auto maintenace, school fundraisers.
I am an email subscriber.
I like you on facebook
Buying little things for myself and others thinking its not that much $$ but it adds up
I am an email subscriber
“liked” you on facebook for a while now
Im an email subscriber!
I follow you Facebook.
Eating out
I follow you on Facebook and email. Biggest block is not having enough time to shop smarter!
Follow on Facebook and email. Biggest block is not shopping smarter!
LOSS OF INCOME DO TO HOSPITALIZATIONS AND STILL TRYING TO HAVE KEEP THINGS THE SAME FOR MY SON I AM IN NEED OF CHANGE FOR MY FINANCES
Stumbling block: Dining out
I follow you on Facebook.
I AM AN EMAIL SUBSCRIBER I NEED ALL THE HELP THAT I CAN GET PLEASE PICK ME FOR DAVE RAMSEY’S TOTAL MONEY MAKEOVER BUNDLE
I get your daily e-mail updates and love it! I have now “liked” you on FB too. Hopefully some of my friends on FB will follow suit!
My biggest stumbling block is not having enough money. It seems like it should be enough but it never seems to work out that way. Buying extras or taking a vacation is a hardship so maybe there is a better way.
I liked you on facebook.
I became an email subscriber.
Our stumbling block could be eating out or impulse buying.
I am an email subscriber.
I “like” your facebook page.
Me pick me!
Stumbling block: grocery/household items shopping
Liked on FB
Subscribed via email
Stop buying for the kids!
Impulse buying!!
I spend too much on online shopping…and end up spending into my $1000 savings EVERY time!! oops!! I need more DAVE!
I am an email subscriber!
Emma
I am in “like” already!
I LOVE you on FB…
I LOVE you on FB
Eating out is my downfall!!
I love getting your email updates.., Thank you!!!
Eating out! With 4 little ones it is so much easier to buy a meal then to make one.
Definitely eating out. It is SO convenient.
I ‘like’ you on FB
I get your emails!
We are in the process of really trying to budget our monthly expenses and this would be so helpful! Stumbling blocks: for me-groceries and Target, for husband-daily gas station stops, for both-eating out.