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<book id="295681">
  <title><![CDATA[Financial Peace: Restoring Financial Hope to You and Your Family]]></title>
  <isbn><![CDATA[0670873616]]></isbn>
  <isbn13><![CDATA[9780670873616]]></isbn13>
    <image_url>http://photo.goodreads.com/books/1173478940m/295681.jpg</image_url>
    <work>
  <best_book_id type="integer">295681</best_book_id>
  <books_count type="integer">7</books_count>
  <default_description>Get out of debt and stay out with the help of Dave Ramsey, recently seen by millions of &lt;i&gt;Today Show&lt;/i&gt; viewers. His practical regimen, first set forth by &lt;i&gt;The Financial Peace Planner&lt;/i&gt;, which will be published by Penguin in January 1998. Loaded with inspirational insights that come from personal experience, this set of books is the most valuable purchase a debt-ridden reader can make.</default_description>
  <id type="integer">286910</id>
  <media_type nil="true"></media_type>
  <original_language_id type="integer" nil="true"></original_language_id>
  <original_publication_day type="integer">1</original_publication_day>
  <original_publication_month type="integer">1</original_publication_month>
  <original_publication_year type="integer">1997</original_publication_year>
  <original_title>Financial Peace: Restoring Financial Hope to You and Your Family</original_title>
  <rating_dist>total:232|5:130|4:62|3:32|2:8|1:0|</rating_dist>
  <ratings_count type="integer">232</ratings_count>
  <ratings_sum type="integer">1010</ratings_sum>
  <reviews_count type="integer">302</reviews_count>
  <text_reviews_count type="integer">46</text_reviews_count>
</work>

  <average_rating><![CDATA[4.35]]></average_rating>
  <ratings_count><![CDATA[188]]></ratings_count>
  <text_reviews_count><![CDATA[42]]></text_reviews_count>
  <url><![CDATA[http://www.goodreads.com/book/show/295681.Financial_Peace_Restoring_Financial_Hope_to_You_and_Your_Family]]></url>
  <authors>
        <author id="44526">
      <name><![CDATA[Dave Ramsey]]></name>
      <role><![CDATA[]]></role>
      <url><![CDATA[http://www.goodreads.com/author/show/44526.Dave_Ramsey]]></url>
      <average_rating><![CDATA[4.31]]></average_rating>
      <ratings_count><![CDATA[4063]]></ratings_count>
      <text_reviews_count><![CDATA[1254]]></text_reviews_count>
    </author>
      </authors>
    <reviews start="1" end="20" total="302">
    <review id="77055218">
    <user id="1586355">
    <name><![CDATA[Chad]]></name>
    <location><![CDATA[Holland, MI]]></location>        
    <url><![CDATA[http://www.goodreads.com/user/show/1586355-chad]]></url>
  </user>
      <rating>2</rating>
  <votes>0</votes>
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        <shelf name="finance" />
        <shelf name="non-fiction" />
        <shelf name="self-improvement" />
      </shelves>
  <recommended_for><![CDATA[]]></recommended_for>
  <recommended_by><![CDATA[]]></recommended_by>
  <read_at>Sun Nov 01 00:00:00 -0700 2009</read_at>
  <date_added>Sat Nov 07 18:15:28 -0800 2009</date_added>
  <date_updated>Sun Nov 08 03:10:28 -0800 2009</date_updated>
  <read_count>1</read_count>
    <body><![CDATA[Some of my friends are Dave Ramsey fans. The 2 main things I knew about him were his envelope system of budgeting, and his anti-debt stance. I thought I'd find out about these by reading <a href="http://www.goodreads.com/book/show/1100324.The_Total_Money_Makeover_A_Proven_Plan_for_Financial_Fitness" title="The Total Money Makeover  A Proven Plan for Financial Fitness by Dave Ramsey">The Total Money Makeover</a>. That book covered his anti-debt stance, but didn't cover the envelope system, and it al...<a href="http://www.goodreads.com/review/show/77055218">more...</a>]]></body>
    <url><![CDATA[http://www.goodreads.com/review/show/77055218]]></url>
</review>
    <review id="57334094">
    <user id="2335044">
    <name><![CDATA[Ryan]]></name>
    <location><![CDATA[The United States]]></location>        
    <url><![CDATA[http://www.goodreads.com/user/show/2335044-ryan-shanks]]></url>
  </user>
      <rating>5</rating>
  <votes>0</votes>
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  <recommended_for><![CDATA[]]></recommended_for>
  <recommended_by><![CDATA[]]></recommended_by>
  <read_at>Sat Nov 01 00:00:00 -0700 2008</read_at>
  <date_added>Mon May 25 22:30:55 -0700 2009</date_added>
  <date_updated>Mon Jun 08 00:29:05 -0700 2009</date_updated>
  <read_count></read_count>
    <body><![CDATA[Although the &quot;Peace Puppies&quot; in this book may seem a little cheesy, read them and they will get the point across. Although this, like all of Dave Ramsey's books, are under the topic of &quot;money management&quot; and &quot;financial security&quot;, all of these topics that Dave and his wi...<a href="http://www.goodreads.com/review/show/57334094">more...</a>]]></body>
    <url><![CDATA[http://www.goodreads.com/review/show/57334094]]></url>
</review>
    <review id="33373750">
    <user id="1547609">
    <name><![CDATA[Jered]]></name>
    <location><![CDATA[The United States]]></location>        
    <url><![CDATA[http://www.goodreads.com/user/show/1547609-jered-skousen]]></url>
  </user>
      <rating>5</rating>
  <votes>0</votes>
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  <recommended_for><![CDATA[]]></recommended_for>
  <recommended_by><![CDATA[]]></recommended_by>
  <read_at>Fri Sep 01 00:00:00 -0700 2000</read_at>
  <date_added>Sat Sep 20 14:23:25 -0700 2008</date_added>
  <date_updated>Sat Sep 20 14:24:09 -0700 2008</date_updated>
  <read_count></read_count>
    <body><![CDATA[Financial Peace<br/>by Dave Ramsey<br/><br/>This is a great overview book on putting your financial house in order.<br/>He goes through the basics, and ends most chapters with “peace puppies” – if you get them in control while young, it is better then an old disobedient dog.<br/> <br/>Pe...<a href="http://www.goodreads.com/review/show/33373750">more...</a>]]></body>
    <url><![CDATA[http://www.goodreads.com/review/show/33373750]]></url>
</review>
    <review id="67261805">
    <user id="1300643">
    <name><![CDATA[Chelsey]]></name>
    <location><![CDATA[Midlothian, VA]]></location>        
    <url><![CDATA[http://www.goodreads.com/user/show/1300643-chelsey]]></url>
  </user>
      <rating>4</rating>
  <votes>0</votes>
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  <recommended_for><![CDATA[]]></recommended_for>
  <recommended_by><![CDATA[]]></recommended_by>
  <read_at>Wed Aug 12 00:00:00 -0700 2009</read_at>
  <date_added>Thu Aug 13 11:34:32 -0700 2009</date_added>
  <date_updated>Thu Aug 13 11:37:16 -0700 2009</date_updated>
  <read_count></read_count>
    <body><![CDATA[No one is as sick of these books as my husband is...LOVE this book.  Can't stop talking about it.  I seriously feel so much peace just finishing this book.  So much great information and totally different from his other book More Than Enough.   He has learned so much from life experience and is hopi...<a href="http://www.goodreads.com/review/show/67261805">more...</a>]]></body>
    <url><![CDATA[http://www.goodreads.com/review/show/67261805]]></url>
</review>
    <review id="77136210">
    <user id="2240249">
    <name><![CDATA[Heidi]]></name>
    <location><![CDATA[Appleton, WI]]></location>        
    <url><![CDATA[http://www.goodreads.com/user/show/2240249-heidi]]></url>
  </user>
      <rating>3</rating>
  <votes>0</votes>
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  <read_at>Fri Nov 13 00:00:00 -0800 2009</read_at>
  <date_added>Sun Nov 08 16:01:03 -0800 2009</date_added>
  <date_updated>Fri Nov 13 12:14:54 -0800 2009</date_updated>
  <read_count></read_count>
    <body><![CDATA[Took the easy way out by reading the book instead of attending the actual class, Financial Peace University, that our church is offering.  While the book is a bit out of date and the author spent a lot of time rehashing WHY Americans are so far into debt in the first place, I did learn a bit and was...<a href="http://www.goodreads.com/review/show/77136210">more...</a>]]></body>
    <url><![CDATA[http://www.goodreads.com/review/show/77136210]]></url>
</review>
    <review id="70671012">
    <user id="792933">
    <name><![CDATA[Rhonda]]></name>
    <location><![CDATA[Breaux Bridge, LA]]></location>        
    <url><![CDATA[http://www.goodreads.com/user/show/792933-rhonda]]></url>
  </user>
      <rating>4</rating>
  <votes>0</votes>
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  <recommended_for><![CDATA[]]></recommended_for>
  <recommended_by><![CDATA[]]></recommended_by>
  <read_at>Mon Sep 07 00:00:00 -0700 2009</read_at>
  <date_added>Wed Sep 09 19:18:52 -0700 2009</date_added>
  <date_updated>Wed Sep 09 19:22:05 -0700 2009</date_updated>
  <read_count></read_count>
    <body><![CDATA[Wow. Loved this book. Simple common sense. Could Dave Ramsey run the financial end of this country long enough to get us back on track? Alexander Hamilton devised our financial system but he never intended for us to have this amount of debt! Waiting for Ramsey's &quot;Getting America Back to Financi...<a href="http://www.goodreads.com/review/show/70671012">more...</a>]]></body>
    <url><![CDATA[http://www.goodreads.com/review/show/70671012]]></url>
</review>
    <review id="75814665">
    <user id="2489331">
    <name><![CDATA[Abe]]></name>
    <location><![CDATA[Nashville, TN]]></location>        
    <url><![CDATA[http://www.goodreads.com/user/show/2489331-abe-goolsby]]></url>
  </user>
      <rating>5</rating>
  <votes>0</votes>
  <sell_flag>false</sell_flag>
  <spoiler_flag>false</spoiler_flag>
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        <shelf name="economics-finance" />
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  <recommended_for><![CDATA[]]></recommended_for>
  <recommended_by><![CDATA[]]></recommended_by>
  <read_at>Fri Sep 01 00:00:00 -0700 1995</read_at>
  <date_added>Mon Oct 26 15:20:55 -0700 2009</date_added>
  <date_updated>Mon Oct 26 15:25:30 -0700 2009</date_updated>
  <read_count></read_count>
    <body><![CDATA[Somewhere around the time when my wife and I got engaged, I sat down and read this book in a single day. So glad I did. I shudder to think of all the foolish decisions I (we) might well have made but, thanks to Dave's solid financial principles and the Lord's mercy, didn't.]]></body>
    <url><![CDATA[http://www.goodreads.com/review/show/75814665]]></url>
</review>
    <review id="50484395">
    <user id="1364878">
    <name><![CDATA[Grace]]></name>
    <location><![CDATA[Rexburg, ID]]></location>        
    <url><![CDATA[http://www.goodreads.com/user/show/1364878-grace]]></url>
  </user>
      <rating>5</rating>
  <votes>0</votes>
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  <recommended_for><![CDATA[]]></recommended_for>
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  <read_at></read_at>
  <date_added>Wed Mar 25 22:37:52 -0700 2009</date_added>
  <date_updated>Wed Mar 25 22:39:26 -0700 2009</date_updated>
  <read_count></read_count>
    <body><![CDATA[Better than The Total Money Makeover- which is full of testimonials. One or two is ok, but every chapter has like 5. Financial Peace cuts all those out and just has really good advice.]]></body>
    <url><![CDATA[http://www.goodreads.com/review/show/50484395]]></url>
</review>
    <review id="48199948">
    <user id="1919981">
    <name><![CDATA[Michael]]></name>
    <location><![CDATA[Charlotte, NC]]></location>        
    <url><![CDATA[http://www.goodreads.com/user/show/1919981-michael]]></url>
  </user>
      <rating>5</rating>
  <votes>0</votes>
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  <recommended_for><![CDATA[the haves and the have nots]]></recommended_for>
  <recommended_by><![CDATA[Dad]]></recommended_by>
  <read_at>Sat Jan 01 00:00:00 -0800 2000</read_at>
  <date_added>Wed Mar 04 07:03:16 -0800 2009</date_added>
  <date_updated>Wed Mar 04 07:06:04 -0800 2009</date_updated>
  <read_count></read_count>
    <body><![CDATA[I wish which ever one of my friends or family members who borrowed this book from me would return it. A pox upon your financial situation until it rests upon my shelves once again.]]></body>
    <url><![CDATA[http://www.goodreads.com/review/show/48199948]]></url>
</review>
    <review id="49731250">
    <user id="978283">
    <name><![CDATA[Tia]]></name>
    <location><![CDATA[Pleasant Grove, UT]]></location>        
    <url><![CDATA[http://www.goodreads.com/user/show/978283-tia]]></url>
  </user>
      <rating>4</rating>
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  <read_at></read_at>
  <date_added>Wed Mar 18 20:13:54 -0700 2009</date_added>
  <date_updated>Sat Apr 04 19:55:55 -0700 2009</date_updated>
  <read_count></read_count>
    <body><![CDATA[This was a great book.  The first few chapters were such a general overview and (in my opinion) so straightforward and obvious that I wondered if I would really like it, but after that it got better and I felt like he gave some great advice and strategies for being more fiscally responsible.  His wr...<a href="http://www.goodreads.com/review/show/49731250">more...</a>]]></body>
    <url><![CDATA[http://www.goodreads.com/review/show/49731250]]></url>
</review>
    <review id="51668130">
    <user id="1269730">
    <name><![CDATA[Jacquie]]></name>
    <location><![CDATA[The United States]]></location>        
    <url><![CDATA[http://www.goodreads.com/user/show/1269730-jacquie-lafay]]></url>
  </user>
      <rating>5</rating>
  <votes>0</votes>
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  <recommended_for><![CDATA[]]></recommended_for>
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  <read_at>Sun Mar 01 00:00:00 -0800 2009</read_at>
  <date_added>Mon Apr 06 06:38:26 -0700 2009</date_added>
  <date_updated>Mon Apr 06 06:39:35 -0700 2009</date_updated>
  <read_count></read_count>
    <body><![CDATA[I loved this book. Quick, simple read. His financial advice made lightbulbs go off in my head (which DH truly appreciates!). I really like his snowball theory of debt reduction.]]></body>
    <url><![CDATA[http://www.goodreads.com/review/show/51668130]]></url>
</review>
    <review id="51622937">
    <user id="1939441">
    <name><![CDATA[Rebecca]]></name>
    <location><![CDATA[Anchorage, AK]]></location>        
    <url><![CDATA[http://www.goodreads.com/user/show/1939441-rebecca]]></url>
  </user>
      <rating>3</rating>
  <votes>0</votes>
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  <recommended_for><![CDATA[]]></recommended_for>
  <recommended_by><![CDATA[]]></recommended_by>
  <read_at>Thu Jan 01 00:00:00 -0800 2009</read_at>
  <date_added>Sun Apr 05 17:34:55 -0700 2009</date_added>
  <date_updated>Sun Apr 05 17:36:40 -0700 2009</date_updated>
  <read_count></read_count>
    <body><![CDATA[By far his best book is My Total Money Makeover.  It flows the easiest and if you read that, you won't get too much more info from the others that I have read.  ]]></body>
    <url><![CDATA[http://www.goodreads.com/review/show/51622937]]></url>
</review>
    <review id="39183715">
    <user id="1762398">
    <name><![CDATA[Allison]]></name>
    <location><![CDATA[Virginia Beach, VA]]></location>        
    <url><![CDATA[http://www.goodreads.com/user/show/1762398-allison-marsh]]></url>
  </user>
      <rating>3</rating>
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  <recommended_for><![CDATA[]]></recommended_for>
  <recommended_by><![CDATA[Beth]]></recommended_by>
  <read_at>Fri Feb 01 00:00:00 -0800 2008</read_at>
  <date_added>Wed Dec 03 05:50:35 -0800 2008</date_added>
  <date_updated>Wed Dec 03 08:41:06 -0800 2008</date_updated>
  <read_count>1</read_count>
    <body><![CDATA[This is a pretty good self-help book.  It really is for anyone, alot of common sense stuff but its good.  ]]></body>
    <url><![CDATA[http://www.goodreads.com/review/show/39183715]]></url>
</review>
    <review id="51572223">
    <user id="334273">
    <name><![CDATA[Christina]]></name>
    <location><![CDATA[Orem, UT]]></location>        
    <url><![CDATA[http://www.goodreads.com/user/show/334273-christina]]></url>
  </user>
      <rating>3</rating>
  <votes>0</votes>
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  <recommended_for><![CDATA[]]></recommended_for>
  <recommended_by><![CDATA[Tia White]]></recommended_by>
  <read_at>Thu Jun 18 00:00:00 -0700 2009</read_at>
  <date_added>Sun Apr 05 08:07:46 -0700 2009</date_added>
  <date_updated>Thu Jun 18 11:24:42 -0700 2009</date_updated>
  <read_count></read_count>
    <body><![CDATA[&quot;You should never invest in anything you do not thoroughly understand - except possibly a spouse.&quot;  Hee hee.  I enjoy Dave Ramsey's lighthearted writing style, which is much like his radio talk-show style.<br/><br/>The book is full of common-sense ideas for getting your financial house i...<a href="http://www.goodreads.com/review/show/51572223">more...</a>]]></body>
    <url><![CDATA[http://www.goodreads.com/review/show/51572223]]></url>
</review>
    <review id="50602307">
    <user id="1023159">
    <name><![CDATA[Kimberly]]></name>
    <location><![CDATA[Saint Louis, MI]]></location>        
    <url><![CDATA[http://www.goodreads.com/user/show/1023159-kimberly]]></url>
  </user>
      <rating>2</rating>
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  <read_at>Wed Mar 25 00:00:00 -0700 2009</read_at>
  <date_added>Fri Mar 27 07:31:12 -0700 2009</date_added>
  <date_updated>Sat Apr 04 13:41:12 -0700 2009</date_updated>
  <read_count></read_count>
    <body><![CDATA[Very dated (1997 pub date meant a whole different economic scenario).  Lots of no-brainer info.  Not a lot of depth in discussion. ]]></body>
    <url><![CDATA[http://www.goodreads.com/review/show/50602307]]></url>
</review>
    <review id="53382487">
    <user id="1590786">
    <name><![CDATA[Julie]]></name>
    <location><![CDATA[The United States]]></location>        
    <url><![CDATA[http://www.goodreads.com/user/show/1590786-julie]]></url>
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      <rating>5</rating>
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  <read_at></read_at>
  <date_added>Mon Apr 20 14:27:33 -0700 2009</date_added>
  <date_updated>Mon Apr 20 14:27:57 -0700 2009</date_updated>
  <read_count></read_count>
    <body><![CDATA[Dave Ramsey rocks!!!]]></body>
    <url><![CDATA[http://www.goodreads.com/review/show/53382487]]></url>
</review>
    <review id="25033762">
    <user id="1132683">
    <name><![CDATA[Hava]]></name>
    <location><![CDATA[Twin Falls, ID]]></location>        
    <url><![CDATA[http://www.goodreads.com/user/show/1132683-hava-lyon]]></url>
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      <rating>3</rating>
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  <recommended_for><![CDATA[financial newbies]]></recommended_for>
  <recommended_by><![CDATA[]]></recommended_by>
  <read_at>Tue May 27 00:00:00 -0700 2008</read_at>
  <date_added>Fri Jun 20 21:47:37 -0700 2008</date_added>
  <date_updated>Fri Jun 20 21:49:53 -0700 2008</date_updated>
  <read_count></read_count>
    <body><![CDATA[<em>Financial Peace: Restoring Financial Hope to You and Your Family</em> by Dave Ramsey is an average book for those who are just starting out <a href="http://www.goodreads.com/book/show/6288.The_Road" title="The Road by Cormac McCarthy">on the road</a> back to fiscal responsibility. If you have never read a book about how to manage your finances...<a rel="nofollow" target="_blank" href="http://nonfictionlover.today.com/2008/05/29/financial-peace-by-dave-ramsey/"><em>Click here to continue</em></a><a href="http://www.goodreads.com/review/show/25033762">more...</a>]]></body>
    <url><![CDATA[http://www.goodreads.com/review/show/25033762]]></url>
</review>
    <review id="13587409">
    <user id="798115">
    <name><![CDATA[Melissa]]></name>
    <location><![CDATA[Nampa, ID]]></location>        
    <url><![CDATA[http://www.goodreads.com/user/show/798115-melissa]]></url>
  </user>
      <rating>5</rating>
  <votes>0</votes>
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  <recommended_for><![CDATA[those that have already read The Total Money Makeover]]></recommended_for>
  <recommended_by><![CDATA[]]></recommended_by>
  <read_at>Wed Jan 01 00:00:00 -0800 1997</read_at>
  <date_added>Fri Jan 25 20:46:44 -0800 2008</date_added>
  <date_updated>Fri Jan 25 20:52:26 -0800 2008</date_updated>
  <read_count></read_count>
    <body><![CDATA[I read this book years ago.  We really worked to budget using this plan.  I really do spend with more control when I use cash.  The stress of using a debit card is so much higher than just using cash.  With the card you have to keep track of everything--okay if you're super good at doing that daily,...<a href="http://www.goodreads.com/review/show/13587409">more...</a>]]></body>
    <url><![CDATA[http://www.goodreads.com/review/show/13587409]]></url>
</review>
    <review id="23919075">
    <user id="1058868">
    <name><![CDATA[Whit]]></name>
    <location><![CDATA[Logan, UT]]></location>        
    <url><![CDATA[http://www.goodreads.com/user/show/1058868-whit]]></url>
  </user>
      <rating>4</rating>
  <votes>0</votes>
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  <recommended_for><![CDATA[]]></recommended_for>
  <recommended_by><![CDATA[]]></recommended_by>
  <read_at></read_at>
  <date_added>Sat Jun 07 07:04:34 -0700 2008</date_added>
  <date_updated>Sat Jun 07 07:06:06 -0700 2008</date_updated>
  <read_count></read_count>
    <body><![CDATA[Yes, you could do the same with regular envelopes - but I actually really like this little set up with the spiral bindings, etc. I don't use Dave's envelope system for very many categories (only two, in fact) - but I track all of my budget categories in the back (on the sheets that aren't envelopes)...<a href="http://www.goodreads.com/review/show/23919075">more...</a>]]></body>
    <url><![CDATA[http://www.goodreads.com/review/show/23919075]]></url>
</review>
    <review id="38912077">
    <user id="1760286">
    <name><![CDATA[Emily]]></name>
    <location><![CDATA[The United States]]></location>        
    <url><![CDATA[http://www.goodreads.com/user/show/1760286-emily]]></url>
  </user>
      <rating>3</rating>
  <votes>0</votes>
  <sell_flag>false</sell_flag>
  <spoiler_flag>false</spoiler_flag>
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      </shelves>
  <recommended_for><![CDATA[]]></recommended_for>
  <recommended_by><![CDATA[]]></recommended_by>
  <read_at></read_at>
  <date_added>Sat Nov 29 20:17:10 -0800 2008</date_added>
  <date_updated>Fri Dec 26 23:55:28 -0800 2008</date_updated>
  <read_count></read_count>
    <body><![CDATA[It was all basic information- nothing earth shattering- but it was a good reminder.  The forms in the back were helpful in making a pay off plan for bills, and it was encouraging.  ]]></body>
    <url><![CDATA[http://www.goodreads.com/review/show/38912077]]></url>
</review>
    </reviews>
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