Ramsey Makeover service online

I know how much everyone like s Dave Ramsey and I do, too. I’m about halfway through Financial Peace and signed up last night for the 7 day trial on his makeover site. I’m curious if any of you use his service monthly? Has it been helpful? I really like the budgeting feature but don’t know if that alone if worth the price. Just looking for some insight. Thanks!

I have checked into a few mystery shopping sites and even called one on the phone. Has anyone tried this? How can I tell what’s legit and what’s a scam? Is there a way to check them out to see if they are giving me correct info? Thanks again for your help.

The way I see it is that anytime some company asks for money up front for information you should be wary. I would. If you look hard enough you will find the information about how to become a mystery shopper on the internet for free.

My advice for anything is learn the principles of persuasion and some basic psychology. This will alert you to any kind of scam-ish techniques out there. And who better to trust than your own gut.

The first and best place to go is the Mystery Shoppers Provider’s Association website – http://www.mspa-na.org/. Here are all legitimate sources of shopping. I have been doing this for 4 years. Just this year I have gotten serious about it. You cannot make a full-time financial go in shopping alone, but within the mystery shopping field there are sub-fields.

I have done product demonstrations (like the people who pass out samples of food at stores), audits (where you tell the manager who you are and take some photos), as well as true mystery shops where nobody knows who you are or what you are doing. You must apply to each company individually. You must have knowledge of excel, word, and check e-mail regularly as all assignments come thru e-mail. Time commitment is a must as the clients you serve are on a tight timeline. If you say I will do a job for you on Monday, you need to do it.

I do not know how much extra income you are looking for, but you can get free meals, free auto service, and many other free things via reimbursement.

If you do a Google search on Mystery Shopping, you will get a hit of the top 100 companies. These are all legitimate. Apply to each one as you feel you like based on the industry served, do a good job, and more come along. Word of mouth from those who hire you really works to your advantage.

I see that you’ve asked about several ways of making an income at home. As you look into several possibilities, make sure that you have ‘tightened down’ all of your budget. Look through your Credit cards for any services you might have signed up for a ‘free trial’, and then been charged for after the ‘free trial’ period was over.

Some of those will even issue credit months into their ‘service’,or at least will stop charging in future. I got credit from Allstate Travel (they were the quickest & most complete with no arguing about issuing credit) and Video Professor (which argued but did give me full credit with return). Some companies will even let you keep the products you purchased, with a 90% credit issued. It’s worth a phone call.

Also look into yahoo group, smartspending , which is very active and helps me save ~ $35 per week on groceries. Yahoo manages all your groups on one page-very convenient for switching back & forth to check messages. Keep track of savings per month & send as extra debt payment.