Is there any time better than the present to get your finances in order?... Okay, maybe a year ago would have been better but it's not too late to start making better money decisions.  We're in the middle of a global pandemic and economic downturn and so now, more than ever, our financial health is extremely important.

Over 4 Monday evenings, this course is simply a look at Dave Ramsey's book, "The Total Money Makeover".  Added to that are some supplementary Dave Ramsey videos that are not only educational but also entertaining.  It's a practical approach to money, debt, saving, spending and generosity based on some wisdom from the Bible.

Since our first TMM in 2016, we've had individuals and families completely change the trajectory of their finances.  From becoming debt free (YES, that is possible), having an Emergency Fund (Hmm, why would anyone need one of those right now?), getting a handle on their spending,  to even being able to be more generous with others, this course has helped dozens of people get in a healthier spot with their money.  And a less stressful spot as well.

Best of all, it's not based on some gimmick or get rich quick plan.  It's a simple plan that requires some hard work, dedication and time.

If you have kids, the BEST benefit may be what they learn from the TMM by watching you.  Yes, they're watching!  That's kind of scary as they are learning more from what you do than what you say... Yikes!

The important thing is that there is hope!  No matter whether you're finances are doing alright or are a complete mess, it's never too late to start.

Time and Dates: 7:00-8:30PM, Mondays Oct 26, Nov 2, 9, 16

Location: Christ's Church of the Meadows (3604-76 Ave)

Course Facilitator: Mark Williams

Cost: $25.00 per individual or couple (to cover the cost of The Total Money Makeover Workbook)

COVID PROTOCOLS: Masks will be required, tables will be physically distanced, no coffee or snacks will be served, & hand sanitizer will be available.

Questions or need more information?  Contact Mark Williams @ 780-462-5233.


If you can't make it to the course but would still like to read the book, you can order it at Chapters or Amazon.




You can find more information about the course below.

Class #1 - Start with the finish in mind.

Class Notes


 Class #2 - Debt and the Debt Snow Ball, Intro to Budgeting

 Class Notes



Budgeting Tool:  The EveryDollar Budgeting App 

Class #3 - Owners vs. Managers
Class Notes

At the end of this session, participants were challenged to take the TMM CHECKLIST home to set goals and keep track of their progress.

Extra information on Retirement Savings & Education Savings:

RRSP - Registered Retirement Savings Plan

TFSA - Tax Free Savings Account

RESP - Registered Education Savings Plan

Interesting Reads:

RRSP vs. TFSA: Which is right for you?

The Savings Struggle:  TFSA vs. RRSP

TFSA vs. RRSP: Head to Head Comparison

Warren Buffet - Investing in Index Funds - CNBC 


Class #4 - Baby Step Review & How Much is Enough?

Class Notes 


Dave Ramsey on Contentment