Brandon

Um, it’s “about” $11. When the price is that good, why overdo it on the “estimate”?

jesse

@Maren: it says in the article that you can in fact send a pic of yourself reading the book!

You’re welcome Ramit. You can hire me to respond to comments if you’d like!

Santosh

when can we expect to see the bonus ?

Joe

I picked up a copy of your book at Urban Outfitters. It was marked down to $4.95 and they had a big stack of them. I normally wouldn’t post this, but considering the title of your book I figured you would be proud. If anyone else is looking to pick it up, that’s a good place to check.

I’ll take a picture sometime soon, but I just wanted to post “thanks!” Based on your advice, my wife and I are on our way to paying off our credit card debt. We’ve only been at it a little more than a month and a half, but here’s what we’ve started doing:

- Creating weekly “menus” so we don’t buy groceries blindly and unnecessarily (not sure if this was your tip or not, but it’s been one of our biggest money savers). Not only are we saving money, but we’ve been digging into cookbooks and eating more adventurously.

- I built a spreadsheet to track where our income is going, including breakdowns into percentages so we can work towards spending less and saving more every month. I’ve uploaded a blank page of it here if anyone is interested in checking it out:

http://www.mediafire.com/download.php?ildmmzjnjhm

It’s a little personalized, but anyone can change it around easily. This has been very helpful in at least getting an idea of where we are financially at the beginning of this process, and there’s a column for budgeting that will allow you to grow into it once you’ve got your footing.

- I, personally, have gained a bit of confidence from your phone call advice in dealing with banks, credit card companies, insurance companies, etc. I question every charge and am not afraid to call customer service about them.

So far we’ve managed to increase our credit card payments to over 10-times the minimum, in an attempt to pay them off as aggressively as possible. Our credit card debt is by no means out of control, but it feels very good to be getting rid of it. And hopefully it’ll be taken care of now before our 0% balance transfers end.

Sachit Gupta

Yay, I made it into one of your posts! For everyone reading this, I think the main lesson to take away from this is not about personal finance (wait…what??). At least for me, one of the most important lessons from IWTYTBR, and books like 4HWW, was the power of asking. Seriously, most people are so afraid to just ask, and like Ramit said, just asking differentiates you from about 80% of the people.

Ryan

@Kevin

I’d like to respond by saying that I found out about site through the book. I’ve enjoyed a wealth of posts here with great financial advice, both old and new.

The challenge for most of us is not a lack of information, but is putting into practice what we’ve learned.

Many of the steps in Ramit’s book I put into practice the first read through, but many I did not. I’ll need to go back for a second read and adjust course. I would bet there are a number of articles on this site that you could do the same with.

Justin

Ramit,

I forwarded you a receipt of my purchase. When can I expect the bonus material?

Patricia

Just got the book off Amazon. I found this site from a tweet I received on twitter. I’m always looking for material to read – especially on finance and personal improvements. I’m human – I have room for improvements.

Get the book Thursday – so this weekend will be spent reading…..