im passing this along. i just received the email from her about this offer. not sure if it works since i just got it myself but i thought some of you would be interested in at least taking a peek at his system.


Thanks for choosing to give a LIFE-CHANGING GIFT this Christmas!
Changing your money habits or helping someone else change their money habits is NOT easy. That's why this Christmas, we've decided to give you access to a FREE 30-Day Gift Membership Coupon to Dave's MyTotalMoneyMakeover.com. Use it for yourself AND give it to as many people as you want. MyTotalMoneyMakeover.com has been used by over 80,000 members to take control of their money!
The website is designed to help you put together a PERSONALIZED PLAN for your money. It gives you the tools to conquer the most difficult money struggles with features like:
Gazelle Budget Software
Debt Snowball Calculator
Community forums and chat rooms
Commercial-free podcasts of "The Dave Ramsey Show"
To redeem your FREE 30-Day Gift Membership , log on to http://www.mytotalmoneymakeover.com/gift and enter the Coupon Code: 30DGIFT to get started. This coupon is only valid through January 15, 2007, so register today!
BUT DON'T STOP THERE! Give hope to someone else by sharing this exclusive offer with someone you care about. Feel free to click on the link below and print out as many coupons as you like. Once you print them out, start giving them to all your friends and family.
Download the PRINTABLE Coupon (.pdf)
Merry Christmas!
The Dave Ramsey Web Team

Thank you Kelly! I have been wanting to check this out! You just gave me my incentive....

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AMY

Wondering if anyone did this? Time is almost up and I'm definately thinking about it. I just wanted some feedback.

I tried to sign up for the 30 day free trial and they do require a debit card. They will not take credit cards (Dave Ramsey is very much against credit cards). When I checked the "info" area it gives a number to call and a person (Pax) to ask for if giving out debit card info is a problem. I called and Pax informed me that this is the only way membership can be obtained. I informed him that by giving him my debit card info I am authorizing him to access my money whenever he wants and that is not acceptable. He informed me that that is the only way it can be done. Oh well!

You all did know that, right? Giving out debit card info gives any one with that info permission to access your account at any time they want for any amount they want. If your debit card happens to have a Visa logo on it then your are ok. Visa has a zero tolerance for fraud but be careful with any that don't.

I did sign up for it last week and so far, I like it. Yes, you do have to enter a debit card number before hand and it's stated on the website as to their reasons why they only accept debit and not credit. You are NOT charged anything up front and should not be until your 30 day trial is up and you decide to continue with it.

After the 30 day trial is up, it's $8.75 per month or they have a 1 year deal for somewhere around 90 bucks. At this point, I will only use the month to month basis.

You have access to the message boards with members who are extremely helpful, as well as a live chat room and tools to track your progress.

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Devin

David 6, Alexis 2

We don't have a debit card. That's how we got ourselves in trouble years ago. Guess I won't bother with the trial membership.